This home is in Palencia, St. Augustine.

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Active

Active·151 days on market·Palencia

145 Spanish Marsh Drive

St. Augustine, FL 32095

$1,450,000$321/sqftEst. $7,718/moMLS# 2130105

Beds

Baths

4,515

Sq Ft

2014

Built

Garage

Yes

Pool

About this home

Palencia

From the moment you step inside, the openness of this home stands out. A wide, uninterrupted layout connects the dining area, kitchen, and main living space, all overlooking the pool and preserve--creating a bright, functional flow that's ideal for both everyday living and entertaining. The main level is thoughtfully designed with the primary suite offering direct access to the patio and pool, providing a private retreat with easy indoor-outdoor living. A dedicated office with doors for privacy, a butler's pantry, and a spacious three-car garage add to the home's functionality. Upstairs, you'll find a large loft-style landing, an expansive family room, a fitness space, and three additional bedrooms. Private balconies extend the living space outdoors, while hardwood flooring throughout adds a clean, cohesive finish. The Spanish Mediterranean design complements the coastal setting and overall feel of the home.

Cost to own

Mortgage calculator

Home Price

$1,450,000

Down Payment: 20%

$290,000

Interest Rate: 6.49%

Loan Term

Monthly Payment

$7,324

Principal & Interest: $7,324

Est. Taxes & Insurance: $1,831

Estimated Total Monthly

$9,155

*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$7,718

Property taxesest. at asking price, St. Johns County$1,929

HOAbilled annually$10

Estimated total, before insurance$9,657/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	$1,089,287	$549,757	—
2024	$1,128,484	$533,556	—
2023	$1,041,166	$516,559	—
2022	$875,804	$500,057	—
2021	$514,496	$440,028	—
2020	$496,809	$433,262	—

2025 property taxes (current owner): $12,329/yr

Estimated taxes if purchased at asking price: ~$23,200/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 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 2014)

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: ~1,820 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 13, 2026Listed$1,450,000

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

Features

Price$1,450,000

Price / Sq Ft$321

Bedrooms5

Bathrooms3.50

Full Baths3

Half Baths1

Square Footage4,515

Acres0.21 acres

Year Built2014

TypeResidential

Sub-TypeSingle Family Residence

StyleSpanish

StatusActive

# of Garages3

Has PoolYes

Pool FeaturesIn Ground, Fenced, Gas Heat, Heated, Screen Enclosure

Is WaterfrontNo

Gated CommunityYes

Direction FacesEast

School Information

ElementaryPalencia

MiddlePacetti Bay

HighAllen D. Nease

Community Information

Address145 Spanish Marsh Drive, St. Augustine, FL 32095

Area312-Palencia Area

SubdivisionPalencia

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32095

Lot Size9,147.6 sq ft

Parcel Number0720820250

Amenities

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

UtilitiesCable Available, Natural Gas Connected, Sewer Connected, Water Connected

Water SourcePublic

ParkingAttached, Covered, Garage

ViewProtected Preserve

Interior

Interior FeaturesBreakfast Nook, Butler Pantry, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Jack and Jill Bath, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Double Oven, Dryer, Gas Cooktop, Microwave, Refrigerator, Washer

HeatingCentral

CoolingCentral Air, Electric

FlooringVinyl, Wood

# of Stories2

LevelsTwo

LaundryLower Level