This home is in Palencia, St. Augustine.

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Active

Active·156 days on market·Palencia

435 La Travesia Flora 204

St. Augustine, FL 32095

$218,000$158/sqftEst. $1,160/moMLS# 2129479

Beds

Baths

1,383

Sq Ft

2005

Built

—

Garage

Pool

About this home

Palencia

Great value in the exclusive Avila community at Palencia, offering resort-style amenities and a prime location. This move-in-ready upstairs condo features 3 bedrooms and 2 baths, with NEW interior paint, NEW luxury vinyl plank flooring throughout, and a NEW washer and dryer. Located in a gated community between Jacksonville and historic St. Augustine, Avila offers easy access to shopping, dining, commuting, and entertainment. The light-filled interior features a functional split floor plan and a well-appointed kitchen with stainless steel appliances, granite countertops, and a pantry. Enjoy the screened lanai with an additional storage closet. Residents enjoy first-class amenities, and the home is located in St. Johns County, known for its top-rated A schools. Don't miss this opportunity to own in a beautiful community and location!

Cost to own

Mortgage calculator

Home Price

$218,000

Down Payment: 20%

$43,600

Interest Rate: 6.55%

Loan Term

Monthly Payment

$1,108

Principal & Interest: $1,108

Est. Taxes & Insurance: $277

Estimated Total Monthly

$1,385

*Estimates based on 30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, 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$1,160

Property taxesest. at asking price, St. Johns County$290

HOAbilled quarterly$218

Estimated total, before insurance$1,668/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	$215,000	$133,137	—
2024	$225,990	$128,536	—
2023	$225,990	$123,190	—
2022	$173,000	$122,500	—
2021	$139,000	$119,846	—
2020	$134,500	$108,951	—

2025 property taxes (current owner): $4,961/yr

Estimated taxes if purchased at asking price: ~$3,500/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.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: Tile — year not disclosed (home built 2005)

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

Sewer & public water · St Johns County Utilities

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

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

Solar potential: ~1,801 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

Feb 10, 2026Listed$218,000

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

Features

Price$218,000

Price / Sq Ft$158

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,383

Year Built2005

TypeResidential

Sub-TypeCondominium

StyleFlat, Spanish, Traditional

Property ConditionUpdated/Remodeled

StatusActive

# of Carport Spaces1

Has PoolNo

Is WaterfrontNo

Gated CommunityYes

School Information

ElementaryPalencia

MiddlePacetti Bay

HighAllen D. Nease

Community Information

Address435 La Travesia Flora 204, St. Augustine, FL 32095

Area312-Palencia Area

SubdivisionPalencia

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32095

Parcel Number0724211924

ZoningCondominium

Amenities

AmenitiesPool, Clubhouse, Fitness Center, Gated, Jogging Path, Maintenance Grounds, Maintenance Structure, Management - Off Site, Playground, Tennis Court(s), Trash

UtilitiesCable Available, Cable Connected, Electricity Available, Electricity Connected, Sewer Available, Sewer Connected, Water Available, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAdditional Parking, Assigned, Carport, Parking Lot, Unassigned

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Entrance Foyer, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Split Bedrooms, Vaulted Ceiling(s)

AppliancesDishwasher, Disposal, Electric Cooktop, Electric Oven, Electric Water Heater, Ice Maker, Microwave, Refrigerator, Washer/Dryer Stacked

HeatingCentral, Electric, Separate Meters

CoolingCentral Air, Electric, Separate Meters

FlooringLaminate, Tile

FireplaceNo

# of Fireplaces0

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, In Unit, Washer Hookup

SecuritySecurity Gate, Smoke Detector(s)