This home is in Palencia, St. Augustine.

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Active Under Contract

Active Under Contract·133 days on market·Palencia

140 Calle El Jardin 102

St. Augustine, FL 32095

$215,000$168/sqftEst. $1,144/moMLS# 2133372

Beds

Baths

1,278

Sq Ft

2005

Built

—

Garage

Pool

About this home

Palencia

Welcome to easy, low-maintenance living in the highly desirable Palencia community of St. Augustine! This beautifully maintained first-floor condo offers a bright and functional layout with an open living space that flows seamlessly to your private patio through sliding glass doors, now enhanced with brand new shades for added style and privacy. Enjoy the convenience of ground-floor living with no stairs, making everyday access effortless. The kitchen overlooks the main living area, creating the perfect setup for both everyday living and entertaining. The spacious bedrooms provide comfort and flexibility, while recent updates give peace of mind, including a new water heater (2022), HVAC system (2019), new windows (2024), and a brand new front door (2025). Enjoy all that Palencia has to offer, including resort-style amenities such as a pool, fitness center, tennis courts, walking trails, and more. Conveniently located just

Cost to own

Mortgage calculator

Home Price

$215,000

Down Payment: 20%

$43,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$1,093

Principal & Interest: $1,093

Est. Taxes & Insurance: $273

Estimated Total Monthly

$1,366

*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$1,144

Property taxesest. at asking price, St. Johns County$286

HOAbilled quarterly$222

Estimated total, before insurance$1,652/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	$195,000	$61,936	—
2024	$205,000	$58,074	—
2023	$198,090	$53,470	—
2022	$149,000	$99,000	—
2021	$121,500	$104,683	—
2020	$117,500	$95,166	—

2025 property taxes (current owner): $4,333/yr

Estimated taxes if purchased at asking price: ~$3,400/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.

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.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: Tile — year not disclosed (home built 2005)

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

Sewer & public water · St Johns County Utilities

County records show this parcel on central sewer served by St Johns County Utilities — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,805 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

Mar 5, 2026Listed$215,000

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

Features

Price$215,000

Price / Sq Ft$168

Bedrooms2

Bathrooms2.00

Full Baths2

Square Footage1,278

Year Built2005

TypeResidential

Sub-TypeCondominium

StyleFlat, Spanish

Property ConditionUpdated/Remodeled

StatusActive Under Contract

# of Carport Spaces1

Has PoolNo

Is WaterfrontNo

Gated CommunityYes

Direction FacesNorth

School Information

ElementaryPalencia

MiddlePacetti Bay

HighAllen D. Nease

Community Information

Address140 Calle El Jardin 102, St. Augustine, FL 32095

Area312-Palencia Area

SubdivisionPalencia

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32095

Parcel Number0724210412

ZoningResidential

Amenities

AmenitiesChildren's Pool, Clubhouse, Dog Park, Fitness Center, Golf Course, Jogging Path, Maintenance Grounds, Management - Full Time, Management - Off Site, Playground, Tennis Court(s), Trash

UtilitiesCable Available, Electricity Available, Electricity Connected, Sewer Available, Sewer Connected, Water Connected

SewerPrivate Sewer

Water SourcePublic

ParkingAssigned

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Pantry, Primary Bathroom - Shower No Tub, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

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

HeatingCentral

CoolingCentral Air

FlooringLaminate, Tile

# of Stories1

LevelsOne

LaundryIn Unit

SecuritySecurity Gate