This home is in Palencia, St. Augustine.

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Active

Active·47 days on market·Palencia

100 Onda Lane

St. Augustine, FL 32095

$765,000$288/sqftEst. $4,072/moMLS# 2135870

Beds

Baths

2,660

Sq Ft

2016

Built

Garage

Yes

Pool

About this home

Palencia

Don't miss the 3D virtual tour--this exceptional home truly has it all! Welcome to this stunning 5-bedroom, 3-bath pool home offering over 2,600 sq. ft. of beautifully upgraded living space, perfectly situated on a premium cul-de-sac preserve lot in one of North Florida's most sought-after golf communities--Palencia .Step inside to an open, move-in ready floor plan featuring custom tile flooring throughout, designer lighting, and elegant architectural touches. The spacious kitchen is a true centerpiece, showcasing granite countertops, white 42-inch cabinetry, subway tile backsplash, a center island, walk-in pantry, and stainless steel appliances including a gas range and double oven. The expansive family room and extended dining area are ideal for entertaining, highlighted by wood beam accents and a custom barn door leading to generously sized guest bedrooms and bath.The main-level primary suite offers a private retreat with a garden tub, separate shower, and a large walk-in closet.

Cost to own

Mortgage calculator

Home Price

$765,000

Down Payment: 20%

$153,000

Interest Rate: 6.49%

Loan Term

Monthly Payment

$3,864

Principal & Interest: $3,864

Est. Taxes & Insurance: $966

Estimated Total Monthly

$4,830

*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, 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$4,072

Property taxesest. at asking price, St. Johns County$1,018

HOAbilled annually$12

Estimated total, before insurance$5,102/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: $730,000 in November 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$575,658	$575,658	—
2024	$565,878	$565,878	—
2023	$520,426	$285,039	—
2022	$488,569	$275,281	—
2021	$323,427	$265,807	—
2020	$316,778	$261,447	—

2025 property taxes (current owner): $7,443/yr

Estimated taxes if purchased at asking price: ~$12,200/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 C

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

Roof: Shingle — year not disclosed (home built 2016)

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

Solar potential: ~1,750 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