This home is in Palencia, St. Augustine.

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Active

Active·173 days on market·Palencia

205 Sophia Terrace

St. Augustine, FL 32095

$2,250,000$475/sqftEst. $11,975/moMLS# 2126504

Beds

Baths

4,737

Sq Ft

2006

Built

Garage

Yes

Pool

About this home

Palencia

Welcome to the Jewel of Palencia, a breathtaking residence built by Arthur Rutenburg! This luxurious single story home spans almost 5000 sft and captivates you! Upon entering through the grand front doors, leading to a stunning three-tier saltwater pool with a waterfall, nestled in a lush tropical lanai. The open floor plan offers exquisite pool views from the living room and owner's suite. Retractable sliding doors in the family room create a seamless flow between indoor and outdoor spaces, ideal for entertaining. Enjoy movie nights in the dedicated media theater room, featuring tiered seating and an integrated sound system! The owner's suite serves as a private retreat, complete with a breakfast/coffee bar, sink, refrigerator, and expansive closet with a luxurious bathroom. Four Bays of the garage have been turned into a man cave, bar, office, and lounge! Set on .91 acres and surrounded by preserve woodlands, this estate ensures maximum privacy. Furniture available for purchase.

Cost to own

Mortgage calculator

Home Price

$2,250,000

Down Payment: 20%

$450,000

Interest Rate: 6.49%

Loan Term

Monthly Payment

$11,365

Principal & Interest: $11,365

Est. Taxes & Insurance: $2,841

Estimated Total Monthly

$14,207

*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, Freddie Mac PMMS via FRED). Actual payments 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 · 7.0% · 30yr$11,975

Property taxesest. at asking price, St. Johns County$2,994

HOAbilled annually$10

Estimated total, before insurance$14,980/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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.

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$1,695,333	$1,083,473	—
2024	$1,646,349	$1,052,230	—
2023	$1,663,930	$1,020,126	▼ $123,794
2022	$1,377,232	$988,957	—
2021	$1,132,961	$958,696	—
2020	$994,769	$944,769	—

2025 property taxes (current owner): $18,767/yr

Estimated taxes if purchased at asking price: ~$35,900/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.

Storms & insurance

Florida Reality Check

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

Zone A — high-risk flood zone (Special Flood Hazard Area)

Lenders require flood insurance for financed purchases here.

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: Tile — year not disclosed (home built 2006)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

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: ~1,768 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

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History

Price & status history

Jan 22, 2026Listed$2,250,000

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

Features

Price$2,250,000

Price / Sq Ft$475

Bedrooms4

Bathrooms3.50

Full Baths3

Half Baths1

Square Footage4,737

Acres0.91 acres

Year Built2006

TypeResidential

Sub-TypeSingle Family Residence

StyleSpanish

StatusActive

# of Garages6

Has PoolYes

Pool FeaturesIn Ground, Gas Heat, Heated, Pool Sweep, Salt Water, Screen Enclosure, Waterfall

Is WaterfrontNo

School Information

ElementaryPalencia

MiddlePalm Valley Academy

HighAllen D. Nease

Community Information

Address205 Sophia Terrace, St. Augustine, FL 32095

Area312-Palencia Area

SubdivisionPalencia

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32095

Lot Size39,639.6 sq ft

Parcel Number0720740100

ZoningResidential

Amenities

AmenitiesPool, Basketball Court, Boat Dock, Children's Pool, Clubhouse, Fitness Center, Golf Course, Jogging Path, Playground, Security, Tennis Court(s), Trash

UtilitiesElectricity Available, Electricity Connected, Sewer Available, Sewer Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener, Off Street

ViewProtected Preserve

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Built-in Features, Entrance Foyer, Kitchen Island, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s), Wet Bar

AppliancesDishwasher, Disposal, Double Oven, Dryer, Electric Oven, Electric Water Heater, Freezer, Gas Cooktop, Gas Range, Ice Maker, Microwave, Refrigerator, Washer

HeatingCentral

CoolingCentral Air, Zoned

FlooringTile

# of Stories1

LevelsOne

Spa FeaturesHeated, Private