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This home is in Palencia, St. Augustine — a home near Allen D. Nease High School.

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Active

Active·178 days on market·Palencia

160 Oak Common Avenue

St. Augustine, FL 32095

$575,000$266/sqftEst. $2,956/moMLS# 2133341

Beds

Baths

2,159

Sq Ft

2003

Built

Garage

Pool

About this home

Palencia

$20,000 Price Improvement! Discover elevated, resort-style living in the coveted gated community of Palencia! This beautifully updated 4-bedroom, 2-bathroom single-family home (2,159 SF) sits on a desirable 0.21-acre corner lot with mature trees providing privacy and shade in a peaceful, private backyard setting. Built in 2003 and recently updated, the home features fresh interior paint, new luxury vinyl plank (LVP) flooring, updated baseboards, crown molding, new interior trim, modern faucets, door hardware, and stylish lighting throughout. Plantation shutters grace the windows for a timeless, elegant touch. The spacious kitchen boasts upgraded granite countertops, while the gas appliances (stove, water heater, AC furnace, dryer, and fireplace) add efficiency and warmth. A cozy fireplace anchors the living area, and a dedicated office plus a formal dining room offer flexible spaces for work or entertaining.

Cost to own

Mortgage calculator

Home Price

$575,000

Down Payment: 20%

$115,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$2,956

Principal & Interest: $2,956

Property taxes (est.): $765

Insurance (est.): $383

Estimated Total Monthly

$4,105

*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$2,956

Property taxesest. at asking price, St. Johns County$765

HOAbilled annually$10

Estimated total, before insurance$3,732/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$6,753/yr · $563/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	$451,553	$242,002	—
2024	$447,316	$234,474	—
2023	$455,135	$226,188	—
2022	$385,042	$218,144	—
2021	$302,970	$210,334	—
2020	$256,740	$206,740	—

2025 property taxes (current owner): $6,753/yr

Estimated taxes if purchased at asking price: ~$9,200/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 D

Zone D evacuates after zones A, B, C in an approaching storm.

Roof: Shingle — year not disclosed (home built 2003)

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: ~1,697 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