This home is in Palencia, St. Augustine — a waterfront home in St. Johns County.
Sold·Closed Jul 24, 2026·126 days on market·Recent sales in Palencia·Palencia
620 Palencia Club Drive 102
St. Augustine, FL 32095
43 more homes for sale in Palencia →Search Palencia on the map
About this home
Palencia
Sunrise Views • First-Floor Living • Golf & Lake Wake up to sunrise over the 18th green and a tranquil lake from this elegant first-floor condo in the prestigious Palencia. Designed for comfort and aging in place, this condo offers no stairs, easy accessibility, and effortless single-level living. Enjoy golf and water views from the private lanai, while the open great room features a cozy fireplace and a bright, welcoming layout. Fresh new paint and carpet provide a refined, neutral foundation, complemented by newer windows and French doors, a new water heater and water softener. The home includes two assigned parking spaces in a gated underground garage, elevator access, and a private storage unit. HOA fees cover building and grounds maintenance, water, and strong reserves. Just steps from pools, a fitness center, tennis, pickleball, and golf.
Next steps in Palencia
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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).
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
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.
Hurricane evacuation zone C
Zone C evacuates after zones A, B in an approaching storm.
Roof: material not specified — year not disclosed (home built 2006)
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: ~1,809 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 homeAs of July 2026, 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.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $505,000 | $505,000 | — |
| 2024 | $548,700 | $492,470 | — |
| 2023 | $548,700 | $447,700 | — |
| 2022 | $480,000 | $407,000 | — |
| 2021 | $370,000 | $370,000 | — |
| 2020 | $370,000 | $370,000 | — |
2025 property taxes (current owner): $10,001/yr
Estimated taxes if purchased at asking price: ~$9,400/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.
History
Price & status history
- Jul 24, 2026Closed$599,000
- Feb 27, 2026Listed$599,000
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 $241/sq ft; this home is listed at $260/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 620 Palencia Club Drive 101, St. Augustine, FL 32095Listed by EXP REALTY LLC | Jun 2026 | $705,000 | $272 | 3/3 | 2,590 | 57 | 0 |
| 614 S Loop Parkway, St. Augustine, FL 32095Listed by EXP REALTY LLC | Oct 2026 | $545,000 | $241 | 3/2.5 | 2,266 | 116 | 0.2 |
| 210 Paseo Terraza 301, St. Augustine, FL 32095Listed by COMPASS FLORIDA LLC | Dec 2025 | $360,000 | $176 | 3/2 | 2,043 | 46 | 1 |
| 118 Bay Lake Drive, Ponte Vedra, FL 32081Listed by JACKSONVILLE TBI REALTY, LLC | Jun 2026 | $539,000 | $216 | 4/3 | 2,490 | 22 | 1.9 |
| 247 Bay Lake Drive, Ponte Vedra, FL 32081Listed by JACKSONVILLE TBI REALTY, LLC | Jul 2025 | $570,000 | $230 | 0/3 | 2,477 | 71 | 1.9 |
| 119 Latham Drive, Ponte Vedra, FL 32081Listed by JACKSONVILLE TBI REALTY, LLC | Aug 2025 | $459,000 | $281 | 3/2 | 1,635 | 108 | 2 |
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
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: RE/MAX SPECIALISTS
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 Palencia
Palencia is a neighborhood in St. Johns County, FL (St. Johns County), ZIP 32095.
View all Palencia homes for sale →Keep looking
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Jul 24, 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.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines