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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in Stokes Landing, St. Augustine — a new construction home in St. Johns County.

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Sold

Sold·Closed Apr 29, 2026·39 days on market·Recent sales in Stokes Landing·Stokes Landing

195 Palmetto Ridge Road

St. Augustine, FL 32095

$253,435sold priceListed at $257,990 · 98.2% of asking$229/sqftMLS# 2130504
2
Beds
2.5
Baths
1,109
Sq Ft
2026
Built
—
Garage
No
Pool

14 more homes for sale in Stokes Landing →Search Stokes Landing on the map

HOA $117/moTownhouse2 storiesNew construction

About this home

Stokes Landing

The Jackson townhome is a smartly designed floor plan that proves great living can come in an efficient footprint, offering approximately 1,109 square feet of well-organized space with two bedrooms and 2.5 bathrooms. This inviting two-story layout creates a comfortable balance between open living areas and private retreats, making it ideal for first-time buyers, downsizers, or anyone seeking low-maintenance living. The main level features a welcoming kitchen that opens directly into the living room, creating a connected space that works beautifully for both everyday routines and entertaining. The kitchen includes a generous bar that provides extra counter space for meal prep, casual dining, or hosting guests while you cook. Sliding glass doors fill the living area with natural light, brightening the home and enhancing the sense of openness throughout the day.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$1,404
Property taxesest. at asking price, St. Johns County$337
HOAbilled quarterly$117
Estimated total, before insurance$1,858/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.
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$253,435
$50,687
Loan Term
Monthly Payment
$1,404
Principal & Interest: $1,404
Property taxes (est.): $337
Insurance (est.): $169
Estimated Total Monthly
$1,910
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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.

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: ~1,263 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.

History

Price & status history

  • Feb 17, 2026Listed$257,990

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

Closed sales

What sold nearby

Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $213/sq ft; this home is listed at $233/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
157 Palmetto Ridge Road, St. Augustine, FL 32095Listed by D R HORTON REALTY INCSep 2026$255,000$1953/2.51,3081950
233 Palmetto Ridge Road, St. Augustine, FL 32095Listed by D R HORTON REALTY INCJun 2026$276,000$2113/2.51,308570
237 Palmetto Ridge Road, St. Augustine, FL 32095Listed by D R HORTON REALTY INCJun 2026$287,990$2203/2.51,308340
225 Palmetto Ridge Road, St. Augustine, FL 32095Listed by D R HORTON REALTY INCJun 2026$268,000$2053/2.51,308670
227 Palmetto Ridge Road, St. Augustine, FL 32095Listed by D R HORTON REALTY INCJun 2026$258,990$2342/2.51,109650
221 Palmetto Ridge Road, St. Augustine, FL 32095Listed by D R HORTON REALTY INCJun 2026$279,000$2133/2.51,308540

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

Features

Price$257,990
Price / Sq Ft$233
Bedrooms2
Bathrooms2.50
Full Baths2
Half Baths1
Square Footage1,109
Year Built2026
TypeResidential
Sub-TypeTownhouse
StyleTraditional
Property ConditionUnder Construction
StatusClosed
Has PoolNo
Is WaterfrontNo
New ConstructionYes

School Information

Community Information

Address195 Palmetto Ridge Road, St. Augustine, FL 32095
Area313-Whitecastle/Airport Area
SubdivisionSTOKES LANDING
CitySt. Augustine
CountySt. Johns
StateFL
Zip Code32095
Parcel Number0743211080

Amenities

UtilitiesOther
SewerPublic Sewer
Water SourcePublic
Green / EnergyDoors, Windows
ParkingOther

Interior

Interior FeaturesPantry, Primary Bathroom - Shower No Tub, Smart Thermostat, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Electric Range, Electric Water Heater, Microwave
HeatingCentral, Electric
CoolingCentral Air, Electric
FlooringCarpet, Tile
# of Stories2
LaundryElectric Dryer Hookup, Washer Hookup
SecuritySmoke Detector(s)

Exterior

Patio / PorchPatio
RoofShingle
ConstructionOther, Fiber Cement, Frame
Road SurfaceAsphalt

Additional Information

Date ListedFebruary 17, 2026
Days on Market39
HOA Fees$350 / Quarterly
HOA FrequencyQuarterly
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionYes

Listing Courtesy of: D R HORTON REALTY INC

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

The neighborhood

About Stokes Landing

Stokes Landing is a neighborhood in St. Johns County, FL (St. Johns County), ZIP 32095.

View all Stokes Landing homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Apr 29, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.

Text Krista about this saleHomes for sale nearby →

20+ years · 500+ closings · NE Florida

Curious what nearby homes sold for?

MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

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