This home is in Palencia, St. Augustine.

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Active Under Contract

Active Under Contract·139 days on market·Palencia

620 Palencia Club Drive 102

St. Augustine, FL 32095

$599,000$260/sqftEst. $3,188/moMLS# 2132308

Beds

Baths

2,300

Sq Ft

2006

Built

Garage

Pool

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.

Cost to own

Mortgage calculator

Home Price

$599,000

Down Payment: 20%

$119,800

Interest Rate: 6.55%

Loan Term

Monthly Payment

$3,045

Principal & Interest: $3,045

Est. Taxes & Insurance: $761

Estimated Total Monthly

$3,806

*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$3,188

Property taxesest. at asking price, St. Johns County$797

HOAbilled annually$10

Estimated total, before insurance$3,996/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	$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: ~$9,600/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.

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 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 27, 2026Listed$599,000

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

Features

Price$599,000

Price / Sq Ft$260

Bedrooms3

Bathrooms3.00

Full Baths3

Square Footage2,300

Year Built2006

TypeResidential

Sub-TypeCondominium

StatusActive Under Contract

# of Garages2

Has PoolNo

Is WaterfrontYes

Community Information

Address620 Palencia Club Drive 102, St. Augustine, FL 32095

Area312-Palencia Area

SubdivisionPalencia

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32095

Parcel Number0720701120

ZoningCondominium

Amenities

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

UtilitiesOther

Water SourcePublic

ParkingAssigned, Garage, Guest

ViewGolf Course, Water

Waterfront TypePond

Interior

Interior FeaturesBuilt-in Features, Ceiling Fan(s), Entrance Foyer, Jack and Jill Bath, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Electric Oven, Induction Cooktop, Microwave, Refrigerator, Water Softener Owned

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile

FireplaceYes

# of Fireplaces1

Fireplace FeaturesGas

# of Stories1

SecuritySmoke Detector(s)