This home is in St. Augustine.

1 / 34

Pending

Pending·178 days on market

157 Palmetto Ridge Road

St. Augustine, FL 32095

$269,990$206/sqftEst. $1,377/moMLS# 2127536

Beds

Baths

1,308

Sq Ft

2026

Built

—

Garage

Pool

About this home

St. Augustine

The Springfield townhome is a thoughtfully designed floor plan that offers a surprising amount of space and comfort within approximately 1,308 square feet. With three bedrooms and 2.5 bathrooms, this inviting two-story home is ideal for homeowners seeking a functional layout that still feels open and bright. The main level features a seamless flow between the kitchen and living area, creating a welcoming environment for both relaxing and entertaining. The kitchen is designed with ample counter space and storage, making meal preparation easy while staying connected to family and guests in the adjacent living room. Sliding glass doors bring in generous natural light, filling the home with warmth and enhancing the open feel of the living spaces throughout the day. Upstairs, the primary suite provides a peaceful retreat, complete with a spacious walk-in closet and a well-appointed bathroom with a large vanity. Two additional bedrooms offer flexibility for guests or children.

Cost to own

Mortgage calculator

Home Price

$269,990

Down Payment: 20%

$53,998

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,377

Principal & Interest: $1,377

Property taxes (est.): $359

Insurance (est.): $180

Estimated Total Monthly

$1,916

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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 · 6.58% · 30yr$1,377

Property taxesest. at asking price, St. Johns County$359

HOAbilled quarterly$117

Estimated total, before insurance$1,853/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.

Cost to own

Taxes & assessment

Last sold: $8,460,000 in March 2024(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$48,000	$48,000	—
2024	$40,000	$40,000	—

Estimated taxes if purchased at asking price: ~$4,300/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.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

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

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — year not disclosed (home built 2026)

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

Solar potential: ~1,278 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

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

Ask about this home

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.