This home is in Parkland Preserve, St. Augustine.

1 / 54

Pending

Pending·120 days on market·Parkland Preserve

74 Cardinal Branch Lane

St. Augustine, FL 32095

$415,000$209/sqftEst. $2,209/moMLS# 2135434

Beds

Baths

1,984

Sq Ft

2022

Built

Garage

Pool

About this home

Parkland Preserve

Welcome to 74 Cardinal Branch Ln, a beautifully maintained 2022-built home located in the highly sought-after 55+ gated community of Parkland Preserve in St. Augustine. Offering 3 bedrooms, 2 bathrooms, and 1,984 square feet, this thoughtfully designed home features a versatile flex room ideal for a home office, hobby space, or additional living area. The open-concept layout is complemented by tile flooring throughout the main living areas, a split-bedroom floor plan for added privacy, and abundant natural light. The kitchen flows seamlessly into the living and dining spaces, making it perfect for both everyday living and entertaining. Step outside to enjoy a fully fenced backyard and a screened-in lanai with an extended paver patio--ideal for relaxing or hosting guests. Additional upgrades include a full gutter system, whole-home water softener, and a utility sink in the garage for added convenience.

Cost to own

Mortgage calculator

Home Price

$415,000

Down Payment: 20%

$83,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$2,109

Principal & Interest: $2,109

Est. Taxes & Insurance: $527

Estimated Total Monthly

$2,637

*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$2,209

Property taxesest. at asking price, St. Johns County$552

HOAbilled quarterly$82

Estimated total, before insurance$2,843/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

Last sold: $405,800 in June 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$384,361	$317,224	—
2024	$371,124	$307,576	—
2023	$341,864	$291,864	—
2022	$78,400	$78,400	—

2025 property taxes (current owner): $8,476/yr

Estimated taxes if purchased at asking price: ~$6,600/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: Shingle — year not disclosed (home built 2022)

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

Solar potential: ~1,776 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

Jul 13, 2026Pending$415,000
Mar 18, 2026Listed$415,000

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

Features

Price$415,000

Price / Sq Ft$209

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,984

Acres0.15 acres

Year Built2022

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusPending

# of Garages2

Has PoolNo

Is WaterfrontNo

Gated CommunityYes

55+ CommunityYes

Community Information

Address74 Cardinal Branch Lane, St. Augustine, FL 32095

Area306-World Golf Village Area-NE

SubdivisionParkland Preserve

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32095

Lot Size6,534 sq ft

Parcel Number0270310660

Amenities

AmenitiesClubhouse, Dog Park, Fitness Center, Gated, Pickleball

UtilitiesElectricity Connected, Natural Gas Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

Interior

Interior FeaturesCeiling Fan(s), Eat-in Kitchen, Entrance Foyer, Kitchen Island, Pantry, Primary Bathroom - Shower No Tub, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Gas Cooktop, Gas Range, Microwave, Refrigerator, Washer, Water Softener Owned

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, In Unit, Washer Hookup