This home is in Palencia, St. Augustine.

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Active

Active·173 days on market·Palencia

544 Enrede Lane

St. Augustine, FL 32095

$699,000$240/sqftEst. $3,720/moMLS# 2126618

Beds

Baths

2,912

Sq Ft

2016

Built

Garage

Pool

About this home

Palencia

OPEN HOUSE 6/27/26 FROM 11AM-1PM! Welcome home to this stunning 4-bedroom, 4-bathroom residence located in the desirable community of Palencia! This home features a spacious open floor plan with a grand entrance. The kitchen is equipped with a large center island, double oven, ample cabinets, a gas stove, and a walk-in pantry. Throughout the main areas and bathrooms, you'll find beautiful porcelain tile flooring. The master bedroom is generously sized, boasting a tray ceiling and abundant natural sunlight, along with his and her closets. The master bathroom features dual vanities and a walk-in shower with dual shower heads. This home includes four full-sized bathrooms for family members and guests. Additional highlights include a whole-house generator, ceiling fans, a separate dining area, a large drop station, an irrigation well, and an epoxy-coated garage floor.

Cost to own

Mortgage calculator

Home Price

$699,000

Down Payment: 20%

$139,800

Interest Rate: 6.49%

Loan Term

Monthly Payment

$3,531

Principal & Interest: $3,531

Est. Taxes & Insurance: $883

Estimated Total Monthly

$4,414

*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$3,720

Property taxesest. at asking price, St. Johns County$930

HOAbilled annually$12

Estimated total, before insurance$4,663/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

Last sold: $770,000 in October 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$596,930	$596,930	—
2024	$582,656	$582,656	—
2023	$613,023	$322,211	—
2022	$535,567	$316,224	—
2021	$366,706	$305,557	—
2020	$355,606	$300,648	—

2024 property taxes (current owner): $7,015/yr

Estimated taxes if purchased at asking price: ~$11,200/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 D

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

Roof: material not specified — year not disclosed (home built 2016)

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

Solar potential: ~1,789 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 23, 2026Listed$699,000

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

Features

Price$699,000

Price / Sq Ft$240

Bedrooms4

Bathrooms4.00

Full Baths4

Square Footage2,912

Acres0.25 acres

Year Built2016

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontNo

Gated CommunityYes

Community Information

Address544 Enrede Lane, St. Augustine, FL 32095

Area312-Palencia Area

SubdivisionPalencia

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32095

Lot Size10,890 sq ft

Parcel Number0721511090

Amenities

AmenitiesPool, Basketball Court, Children's Pool, Clubhouse, Dog Park, Fitness Center, Gated, Golf Course, Jogging Path, Park, Pickleball, Playground, Tennis Court(s)

UtilitiesCable Available

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Garage Door Opener

ViewTrees/Woods

Interior

AppliancesConvection Oven, Dishwasher, Disposal, Double Oven, Freezer, Gas Cooktop, Gas Water Heater, Ice Maker, Microwave, Refrigerator, Tankless Water Heater, Water Softener Owned

HeatingCentral

CoolingCentral Air

# of Stories1

LevelsOne

SecurityGated with Guard