Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in St. Augustine — a gated community home in St. Johns County.

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Pending

Pending·185 days on market

176 Oak Common Avenue

St. Augustine, FL 32095

$519,000$240/sqftEst. $2,668/moMLS# 2131974

Beds

Baths

2,164

Sq Ft

2002

Built

Garage

Pool

About this home

St. Augustine

Light and bright 4 Bedroom, 2 Bathroom, Dostie Home with a spacious, neutral interior that truly lives large. The well-landscaped backyard offers ample room for a future pool, perfect for outdoor entertaining or relaxing in privacy. Thoughtfully designed with an open, airy feel throughout. Located in the highly desirable, master-planned community of Palencia. With an elementary school designed as a fully LEED-certified, environmentally conscious school and full range of world-class amenities. Including golf, tennis, three swimming pools, a fitness center, athletic fields, pocket parks as well as a 30-acre park system interconnected by a series of boardwalks and fitness trails. Families love being a part of this multi-faceted, unique natural environment.

Cost to own

Mortgage calculator

Home Price

$519,000

Down Payment: 20%

$103,800

Interest Rate: 6.66%

Loan Term

Monthly Payment

$2,668

Principal & Interest: $2,668

Property taxes (est.): $691

Insurance (est.): $346

Estimated Total Monthly

$3,705

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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 · 6.66% · 30yr$2,668

Property taxesest. at asking price, St. Johns County$691

HOAbilled annually$10

Estimated total, before insurance$3,369/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$6,070/yr · $506/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 (that applies to the reference bill above too).

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$440,567	$170,465	—
2024	$435,930	$164,812	—
2023	$439,751	$158,410	—
2022	$373,661	$156,694	—
2021	$282,052	$150,659	—
2020	$238,268	$147,882	—

2025 property taxes (current owner): $6,070/yr

Estimated taxes if purchased at asking price: ~$8,300/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.

Features

Price$519,000

Price / Sq Ft$240

Bedrooms4

Bathrooms2.00

Full Baths2

Square Footage2,164

Acres0.22 acres

Year Built2002

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch, Traditional

Property ConditionUpdated/Remodeled

StatusPending

# of Garages2

Has PoolNo

Is WaterfrontNo

Gated CommunityYes

Community Information

Address176 Oak Common Avenue, St. Augustine, FL 32095

Area312-Palencia Area

SubdivisionMarshall Creek Dri

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32095

Lot Size9,583.2 sq ft

Parcel Number0720720690

ZoningResidential

Amenities

AmenitiesPool, Clubhouse, Fitness Center, Gated, Golf Course, Jogging Path, Park, Pickleball, Playground, Security, Spa/Hot Tub, Tennis Court(s)

UtilitiesCable Connected, Electricity Connected, Natural Gas Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage

Interior

Interior FeaturesCeiling Fan(s), Eat-in Kitchen, Entrance Foyer, His and Hers Closets, Jack and Jill Bath, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Smart Thermostat, Split Bedrooms, Walk-In Closet(s)

AppliancesDisposal, Dryer, Gas Oven, Gas Range, Gas Water Heater, Ice Maker, Microwave, Plumbed For Ice Maker, Refrigerator, Water Softener Owned

HeatingCentral

CoolingCentral Air

FlooringStone, Tile, Wood

FireplaceYes

# of Fireplaces1

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, In Unit, Washer Hookup