304 Barbosa Trail

St. Augustine, FL 32095

$444,990$178/sqftEst. $2,288/moMLS# 2133637

Beds

Baths

2,500

Sq Ft

2026

Built

Garage

Pool

About this home

Cordova Palms

Welcome to our St Johns Community! Low CDD & HOA Fees. Amazing amenities, Clubhouse, Gym, Pool, Playground, Pickle Ball & Dog Park. Natural Gas Community! Lot 609. Great Homesite, backs to a lake view! The Award-Winning Vero floor plan, 4-bedroom, Loft, 3-Baths, 3- Car garage. Boasts 2500 SF. 9' ceilings on first floor, Upstairs owner's suite, one bedroom Downstairs for guest w/ a full bathroom, great oversized kitchen café for family holiday gatherings w/lots of natural light, three bedrooms upstairs with a loft for great entertaining, the owners bath features a walk-in shower w/an oversized walk-in closet. Home includes double sinks in owner's suite, 42'' white kitchen cabinets, w/crown molding, kitchen quartz countertop, double gas range w/microwave, upgraded tile in all bathroom flooring, luxury laminate plank in main areas, upgraded carpet, raised vanities in all 3 baths including quartz countertops, (2) pre-wire above kitchen island for future pendant lighting

Cost to own

Mortgage calculator

Home Price

$444,990

Down Payment: 20%

$88,998

Interest Rate: 6.66%

Loan Term

Monthly Payment

$2,288

Principal & Interest: $2,288

Property taxes (est.): $592

Insurance (est.): $297

Estimated Total Monthly

$3,177

*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$2,288

Property taxesest. at asking price, St. Johns County$592

HOAbilled monthly$70

Estimated total, before insurance$2,950/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.