Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in Palencia, St. Augustine — a gated community home in St. Johns County.

1 / 88

Active

Active·183 days on market·Palencia

148 La Mesa Drive

St. Augustine, FL 32095

$899,000$215/sqftEst. $4,622/moMLS# 2110599

Beds

Baths

4,175

Sq Ft

2005

Built

Garage

Pool

About this home

Palencia

Elegant Preserve Estate in Palencia. This refined 4,175 sq. ft. residence in the prestigious gated community of Palencia blends timeless design with modern upgrades. A private courtyard with a tranquil fountain sets the tone, leading into expansive living spaces crafted for comfort and versatility. The chef's kitchen boasts a gas cooktop, extended cabinetry, and a generous eat-in area, while French doors open to a dedicated office. The home offers four bedrooms, four and a half baths, and a flexible bonus room suited to exercise, play, or relaxation. A multigenerational suite upstairs includes a covered balcony overlooking the lush preserve. Recent updates- Timberline HD roof (2019), Rinnai tankless water heater (2024), and a screened lanai (2021)ensure peace of mind. The oversized two-car garage with epoxy floors and custom storage completes the package. Just minutes by golf cart to Palencia's private golf course, clubhouse, pools, fitness center, tennis courts, and nature trails.

Cost to own

Mortgage calculator

Home Price

$899,000

Down Payment: 20%

$179,800

Interest Rate: 6.66%

Loan Term

Monthly Payment

$4,622

Principal & Interest: $4,622

Property taxes (est.): $1,196

Insurance (est.): $599

Estimated Total Monthly

$6,417

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, Freddie Mac PMMS via FRED). Taxes use the county effective rate; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs may vary.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 6.66% · 30yr$4,622

Property taxesest. at asking price, St. Johns County$1,196

HOAbilled annually$10

Estimated total, before insurance$5,828/mo

Seller’s 2024 tax billper the MLS — includes any CDD / assessments$14,061/yr · $1,172/mo

• Homeowners insurance is on top — in Florida it varies widely with roof age and wind/flood zone (see the Reality Check below). Budget it before you offer.
• In CDD communities (Nocatee, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
• Taxes are estimated at YOUR purchase price — Florida assessments reset on sale, so the seller’s current bill is usually lower than yours will be (that applies to the reference bill above too).

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$755,125	$704,403	—
2024	$1,045,120	$777,058	—
2023	$916,467	$752,969	—
2022	$779,582	$729,582	—
2021	$467,430	$400,164	—
2020	$453,591	$393,949	—

2024 property taxes (current owner): $14,061/yr

Estimated taxes if purchased at asking price: ~$14,400/yr

Florida’s Save Our Homes cap limits how fast the current owner’s assessment can rise — and it resets when a home sells, so a buyer’s tax bill is typically based on the purchase price, not the seller’s bill above. Estimate uses the median effective rate across 1,595 current St. Johns listings and includes typical non-ad-valorem assessments; actual taxes depend on exemptions and taxing district. Sources: Florida DOR certified tax roll (2025), NEFMLS.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Zone X — minimal flood hazard

Flood insurance is typically not required by lenders (always optional).

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Hurricane evacuation zone C

Zone C evacuates after zones A, B in an approaching storm.

Roof: Shingle — 2019 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

Sewer · St Johns County Utilities - accounts · Public water · St Johns County Utilities - water accounts

County records show this parcel on central sewer served by St Johns County Utilities - accounts — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,777 usable sun-hours per year

A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

As of July 2026, this Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields at this property’s coordinates. None of it is a determination, survey, or inspection, and public records can lag or conflict with on-site conditions. Independently verify anything you’ll rely on: the flood zone at msc.fema.gov and floridadisaster.org/knowyourzone (and confirm flood-insurance cost with your lender and a licensed insurance agent), and the sewer/septic, roof, and utilities with a professional inspection.

History

Price & status history

Feb 26, 2026Listed$899,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$899,000

Price / Sq Ft$215

Bedrooms4

Bathrooms4.50

Full Baths4

Half Baths1

Square Footage4,175

Acres0.29 acres

Year Built2005

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Gated CommunityYes

Community Information

Address148 La Mesa Drive, St. Augustine, FL 32095

Area312-Palencia Area

SubdivisionPalencia

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32095

Lot Size12,632.4 sq ft

Parcel Number0720870090

Amenities

AmenitiesPool, Basketball Court, Children's Pool, Clubhouse, Gated, Golf Course, Jogging Path, Management - Off Site, Park, Pickleball, Playground, Security, Tennis Court(s)

UtilitiesCable Connected, Electricity Connected, Natural Gas Connected, Sewer Connected, Water Connected

Water SourcePublic

ParkingAttached, Garage

ViewProtected Preserve, Trees/Woods

Interior

Interior FeaturesBreakfast Bar, Built-in Features, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Guest Suite, His and Hers Closets, In-Law Floorplan, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Gas Cooktop, Gas Oven, Gas Water Heater, Microwave, Refrigerator, Tankless Water Heater, Washer

HeatingCentral

CoolingCentral Air

FlooringTile

FireplaceYes

# of Fireplaces1

Fireplace FeaturesGas

# of Stories2

Security24 Hour Security, Gated with Guard, Security Gate, Security System Owned, Smoke Detector(s)