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 San Salito, St. Augustine — a home near St. Augustine High School.

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Active

Active·170 days on market·San Salito

558 Palace Drive

St. Augustine, FL 32084

$425,000$236/sqftEst. $2,185/moMLS# 2133231

Beds

Baths

1,803

Sq Ft

2019

Built

Garage

Pool

About this home

San Salito

NO CDD FEE HERE!!! ENJOY THE PEACE & QUIET SURROUNDING THIS IMMACULATE, UPGRADED CLIFTON MODEL ON WOODED PRESERVE NEAR THE CUL DE SAC IN THE 55+' GATED SECTION OF SAN SALITO. BEAUTIFUL LVP FLOORING IN ALL MAIN LIVING SPACES FOR EASY UPKEEP! GENEROUS KITCHEN W/ UPGRADED FRIGIDAIRE GALLERY APPLIANCES, ''FARM SIZE'' SINK IN CENTER ISLAND, GRANITE COUNTERS, PULLOUT SHELVES IN MOST CABINETS & WALK IN PANTRY! OPEN GREAT ROOM & DINING AREA MAKE IT EASY TO ADAPT YOUR FURNITURE TO YOUR LIFESTYLE!! OWNERS SUITE BOASTS HUGE MAIN MASTER CLOSET, ''SPACIOUS'' SHOWER, HIS AND HER VANITY PLUS LARGE '' EXTRA'' WALK IN CLOSET IN BR. UPGRADED LIGHTING & FANS, TIMERS FOR YOUR SHOWER & WC FANS. SCREENED COVERED LANAI OVERLOOKS PRESERVE & YOU CAN ENJOY THE FRONT PORCH W/ PENTY OF ''PORCH SITTING'' SPACE!! ALSO NOTE: EXTERIOR PAINTED 2/2026, NEW HOT WATER HEATER 3/2026, WHOLE HOUSE SURGE PROTECTOR! GUTTERS W/ DEBRIS SHIELD!! OWNERS IN THE 55+ HAVE THEIR OWN AMENITIES & USE OF SAN SALITO AMENITIES

Cost to own

Mortgage calculator

Home Price

$425,000

Down Payment: 20%

$85,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$2,185

Principal & Interest: $2,185

Property taxes (est.): $566

Insurance (est.): $283

Estimated Total Monthly

$3,034

*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$2,185

Property taxesest. at asking price, St. Johns County$566

HOAbilled quarterly$222

Estimated total, before insurance$2,972/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.

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$363,019	$215,805	—
2024	$369,875	$209,016	—
2023	$358,882	$201,472	—
2022	$322,715	$194,148	—
2021	$239,651	$187,037	—
2020	$233,764	$183,764	—

Estimated taxes if purchased at asking price: ~$6,800/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: Shingle — year not disclosed (home built 2019)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Solar potential: ~1,697 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

As 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.

History

Price & status history

Jul 7, 2026Price change$425,000−$4,900
Mar 13, 2026Listed$429,900

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

Features

Price$425,000

Price / Sq Ft$236

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,803

Acres0.15 acres

Year Built2019

TypeResidential

Sub-TypeSingle Family Residence

StyleOther

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Gated CommunityYes

55+ CommunityYes

School Information

ElementaryCrookshank

MiddleSebastian

HighSt. Augustine

Community Information

Address558 Palace Drive, St. Augustine, FL 32084

Area307-World Golf Village Area-SE

SubdivisionSan Salito

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32084

Lot Size6,534 sq ft

Parcel Number0733240480

ZoningResidential

Amenities

AmenitiesPool, Clubhouse, Fitness Center, Management - Off Site

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Gated

ViewTrees/Woods

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Primary Downstairs

AppliancesDishwasher, Disposal, Dryer, Electric Oven, Electric Range, Electric Water Heater, Microwave, Refrigerator, Washer

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringCarpet

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, In Unit

SecuritySecurity Gate, Smoke Detector(s)