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 gated community home in St. Johns County.

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Active

Active·171 days on market·Palencia

55 Pantano Vista Way

St. Augustine, FL 32095

$630,000$236/sqftEst. $3,239/moMLS# 2134647

Beds

Baths

2,666

Sq Ft

2016

Built

Garage

Pool

About this home

Palencia

Beautiful Palencia home on an oversized 0.45-acre lot with peaceful pond views! Built in 2016, this 5-bedroom, 3-bath home offers spacious rooms and privacy throughout. The welcoming entrance includes a dedicated office space, perfect for working from home. The spacious kitchen features a large island, gas cooktop, double ovens, pantry, and eat-in area, opening to bright living spaces ideal for entertaining. The primary suite on the main floor includes double sinks, soaking tub, separate shower, and walk-in closets. A private upstairs bedroom offers additional space for guests or family. Enjoy outdoor living from the screened patio overlooking the large fenced backyard and pond on a quiet street with excellent curb appeal. Located in the sought-after Palencia community with pools, tennis, pickleball, fitness center, parks, and trails.

Cost to own

Mortgage calculator

Home Price

$630,000

Down Payment: 20%

$126,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$3,239

Principal & Interest: $3,239

Property taxes (est.): $838

Insurance (est.): $420

Estimated Total Monthly

$4,497

*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$3,239

Property taxesest. at asking price, St. Johns County$838

HOAbilled annually$12

Estimated total, before insurance$4,089/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$7,750/yr · $646/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	$546,347	$275,422	—
2024	$558,053	$266,952	—
2023	$547,414	$257,720	—
2022	$489,520	$248,757	—
2021	$312,571	$240,055	—
2020	$304,864	$236,050	—

2025 property taxes (current owner): $7,750/yr

Estimated taxes if purchased at asking price: ~$10,100/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 A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: material not specified — year not disclosed (home built 2016)

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

Solar potential: ~1,766 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

Mar 12, 2026Listed$630,000

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

Features

Price$630,000

Price / Sq Ft$236

Bedrooms5

Bathrooms3.00

Full Baths3

Square Footage2,666

Acres0.45 acres

Year Built2016

TypeResidential

Sub-TypeSingle Family Residence

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Gated CommunityYes

Community Information

Address55 Pantano Vista Way, St. Augustine, FL 32095

Area312-Palencia Area

SubdivisionPalencia

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32095

Lot Size19,602 sq ft

Parcel Number0721520800

Amenities

AmenitiesPool, Clubhouse, Fitness Center, Gated, Jogging Path, Park, Pickleball, Playground, Sauna, Tennis Court(s)

UtilitiesCable Connected, Electricity Connected, Natural Gas Connected, Water Connected

SewerPublic Sewer

Water SourcePublic, Well

ParkingGarage, Off Street

ViewPond

Interior

Interior FeaturesCeiling Fan(s), Eat-in Kitchen, Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Walk-In Closet(s)

AppliancesDishwasher, Double Oven, Dryer, Gas Cooktop, Microwave, Tankless Water Heater, Washer

HeatingCentral

CoolingCentral Air

# of Stories2

LevelsTwo