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 St. Augustine — a golf course home in St. Johns County.

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Active

Active·8 days on market

816 Cypress Crossing Trail

St. Augustine, FL 32095

$557,000$207/sqftEst. $2,864/moMLS# 2136149

Beds

Baths

2,689

Sq Ft

2005

Built

Garage

Pool

About this home

St. Augustine

Welcome home to this warm and inviting 4-bedroom, 2.5-bath residence nestled in the amenity-rich Palencia community. The spacious primary suite on the main floor offers privacy and serene views of the extended covered porch and peaceful backyard. A gourmet kitchen featuring a gas range, large island, walk-in pantry, granite countertops, and maple cabinetry flows beautifully into the main living areas with rich hardwood floors. The cozy living room showcases a fireplace and custom built-ins. Upstairs, enjoy a private retreat with generous bedrooms, walk-in closets, and a Jack-and-Jill bath. Thoughtfully designed with attention to detail, this home makes Florida living effortless and enjoyable. Some photos maybe virtually staged.

Cost to own

Mortgage calculator

Home Price

$557,000

Down Payment: 20%

$111,400

Interest Rate: 6.66%

Loan Term

Monthly Payment

$2,864

Principal & Interest: $2,864

Property taxes (est.): $741

Insurance (est.): $371

Estimated Total Monthly

$3,976

*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$2,864

Property taxesest. at asking price, St. Johns County$741

HOAbilled annually$10

Estimated total, before insurance$3,615/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$6,452/yr · $538/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	$528,658	$469,508	—
2024	$524,279	$426,825	—
2023	$524,279	$388,023	—
2022	$439,490	$352,748	—
2021	$339,733	$320,680	—
2020	$291,527	$291,527	—

2025 property taxes (current owner): $6,452/yr

Estimated taxes if purchased at asking price: ~$8,900/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 A — high-risk flood zone (Special Flood Hazard Area)

Lenders require flood insurance for financed purchases here.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Hurricane evacuation zone D

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

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

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

Sewer · St Johns County Utilities - accounts · Public water · St Johns County Utilities - water accounts

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

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

Solar potential: ~1,744 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

Aug 20, 2026Active$557,000
Aug 11, 2026Pending$557,000
Aug 6, 2026Price change$557,000−$10,000
Jul 9, 2026Price change$567,000−$5,000
Mar 22, 2026Listed$572,000

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

Features

Price$557,000

Price / Sq Ft$207

Bedrooms4

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage2,689

Total Structure Area3,638 sq ft

Acres0.19 acres

Year Built2005

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontNo

Direction FacesEast

School Information

ElementaryPalencia

MiddlePacetti Bay

HighAllen D. Nease

Community Information

Address816 Cypress Crossing Trail, St. Augustine, FL 32095

Area312-Palencia Area

SubdivisionMarshall Creek Dri

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32095

Lot Size8,276.4 sq ft

Lot Dimensions8276 sqft

Parcel Number0720850770

ZoningPUD

Amenities

AmenitiesPool, Clubhouse, Fitness Center, Golf Course, Jogging Path, Park, Playground, Security, Tennis Court(s), Water

UtilitiesElectricity Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage

ViewTrees/Woods

Interior

Interior FeaturesBreakfast Nook, Built-in Features, Entrance Foyer, Jack and Jill Bath, Kitchen Island, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Disposal, Electric Water Heater, Gas Range, Microwave, Refrigerator

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringCarpet, Tile, Wood

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, Lower Level, Sink, Washer Hookup