396 Pinzon Place

St. Augustine, FL 32095

$369,990$216/sqftEst. $1,902/moMLS# 2117269

Beds

Baths

1,711

Sq Ft

2025

Built

Garage

Pool

About this home

Cordova Palms

Welcome to Cordova Palms Community in St Johns County! Low CDD & HOA Fees. Close to shopping, 8 miles from Vilano Beach, Amazing Amenities, Clubhouse, Gym, Pool, Playground, Pickle Ball, Dog Park. Lot 473. The Award Winning Cambridge Home style, showcases10' vaulted ceilings with an open floorplan & boast 1711 sf. This charming one-story home features 3-bedroom, 2 bathrooms of beautifully designed living space and an open layout with great natural light. The primary suite provides a serene retreat with an en-suite garden bath & walk in tile shower. The home Includes, 42'' white kitchen cabinets w/ crown molding, quartz kitchen countertop and quartz in all baths. Upgraded Luxury Laminate flooring in the main areas with upgraded carpets in all bedrooms! Upgraded tile flooring in all bathrooms. Double gas range oven w/ microwave, window blinds, tankless water heater, recess lights in kitchen and family room, Full sod and Irrigations, pre-plumb water softener, pre-wire lights above the

Cost to own

Mortgage calculator

Home Price

$369,990

Down Payment: 20%

$73,998

Interest Rate: 6.66%

Loan Term

Monthly Payment

$1,902

Principal & Interest: $1,902

Property taxes (est.): $492

Insurance (est.): $247

Estimated Total Monthly

$2,641

*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$1,902

Property taxesest. at asking price, St. Johns County$492

HOAbilled monthly$70

Estimated total, before insurance$2,464/mo

Seller’s 2024 tax billper the MLS — includes any CDD / assessments$3,445/yr · $287/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	$85,000	$85,000	—
2024	$45,000	$45,000	—

2024 property taxes (current owner): $3,445/yr

Estimated taxes if purchased at asking price: ~$5,900/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.