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 Palencia, St. Augustine — a golf course home in St. Johns County.

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Active

Active·Listed today·Palencia

25 San Telmo Court

St. Augustine, FL 32095

$572,500$217/sqftEst. $2,943/moMLS# 2133274

Beds

Baths

2,642

Sq Ft

2016

Built

Garage

Pool

About this home

Palencia

Exquisite 4-Bedroom Home in amenity rich Palencia! This beautifully designed 4-bedroom, 3-bath home with a 3-car garage is situated in the highly sought-after gated community of Palencia in St. Augustine. The paver driveway, three-car garage, and graceful front entry greet you with classic style and enduring charm. Step inside to an inviting foyer that opens to a formal dining room and a stunning chef's kitchen featuring white cabinetry, granite countertops, a center island, custom backsplash, stainless steel appliances, and a gas cooktop. Thoughtfully styled throughout, the home showcases updated fixtures and a seamless flow into the living room, creating the perfect space for entertaining. Enjoy Florida living year-round on the screened-in lanai complete with an outdoor kitchen, ideal for hosting gatherings or relaxing evenings at home. The primary suite is a true retreat with a spa-inspired bath featuring dual vanities, a garden soaking tub, and a glass-enclosed walk-in shower.

Cost to own

Mortgage calculator

Home Price

$572,500

Down Payment: 20%

$114,500

Interest Rate: 6.66%

Loan Term

Monthly Payment

$2,943

Principal & Interest: $2,943

Property taxes (est.): $762

Insurance (est.): $382

Estimated Total Monthly

$4,087

*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$2,943

Property taxesest. at asking price, St. Johns County$762

HOAbilled annually$12

Estimated total, before insurance$3,717/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$10,603/yr · $884/mo

This bill runs well above the county-average estimate — usually the sign of a CDD or special assessment on this home. We confirm the exact line (and whether a bond was ever prepaid) before you offer.

• 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	$523,494	$451,855	—
2024	$521,742	$410,777	—
2023	$510,595	$373,434	—
2022	$479,601	$339,485	—
2021	$308,623	$308,623	—
2020	$300,342	$300,342	—

2025 property taxes (current owner): $10,603/yr

Estimated taxes if purchased at asking price: ~$9,100/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 2016)

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

Solar potential: ~1,779 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

Aug 7, 2026Price change$572,500−$17,400
Jul 11, 2026Price change$589,900−$7,600
Mar 5, 2026Listed$597,500

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

Features

Price$572,500

Price / Sq Ft$217

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,642

Acres0.21 acres

Year Built2016

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontNo

Gated CommunityYes

Community Information

Address25 San Telmo Court, St. Augustine, FL 32095

Area312-Palencia Area

SubdivisionPalencia

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32095

Lot Size9,147.6 sq ft

Parcel Number0721532870

Amenities

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

UtilitiesCable Available, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Walk-In Closet(s)

AppliancesConvection Oven, Dishwasher, Disposal, Gas Range, Microwave, Refrigerator

HeatingCentral, Electric

CoolingCentral Air

FlooringCarpet, Tile

# of Stories1

LevelsOne

LaundryIn Unit