This home is in Palencia, St. Augustine.

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Active

Active·115 days on market·Palencia

150 Calle El Jardin 201

St. Augustine, FL 32095

$285,000$206/sqftEst. $1,517/moMLS# 2136274

Beds

Baths

1,383

Sq Ft

2005

Built

—

Garage

Pool

About this home

Palencia

Beautifully updated 3-bedroom, 2-bath condo located in the highly desirable Palencia community! This well-maintained unit features concrete block construction and a functional split-bedroom floor plan, offering both privacy and comfort. The interior has been thoughtfully updated with new stainless steel appliances (refrigerator, stove, dishwasher, and microwave) just 2 years ago, along with refinished cabinets, fresh interior paint, and an upgraded primary shower with new tile and a seamless glass enclosure. Flooring includes new tile in the wet areas, luxury vinyl plank in the main living spaces, and new carpet in the bedrooms. Additional improvements include a newer washing machine and a refreshed screened porch. Enjoy all that Palencia has to offer, including resort-style amenities, a golf course, and the convenience of nearby shopping and dining within walking distance. This move-in-ready condo offers low-maintenance living in one of the area's most sought-after communities.

Cost to own

Mortgage calculator

Home Price

$285,000

Down Payment: 20%

$57,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$1,449

Principal & Interest: $1,449

Est. Taxes & Insurance: $362

Estimated Total Monthly

$1,811

*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$1,517

Property taxesest. at asking price, St. Johns County$379

HOAbilled quarterly$214

Estimated total, before insurance$2,110/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

Year	Market value	Taxable value	Change
2025	$235,000	$232,792	—
2024	$245,990	$211,629	—
2023	$245,990	$192,390	—
2022	$193,000	$174,900	—
2021	$159,000	$159,000	—
2020	$154,500	$154,500	—

2025 property taxes (current owner): $6,162/yr

Estimated taxes if purchased at asking price: ~$4,600/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: Tile — year not disclosed (home built 2005)

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

Sewer & public water · St Johns County Utilities

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

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

Solar potential: ~1,805 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

Mar 23, 2026Listed$285,000

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

Features

Price$285,000

Price / Sq Ft$206

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,383

Year Built2005

TypeResidential

Sub-TypeCondominium

Property ConditionUpdated/Remodeled

StatusActive

Has PoolNo

Is WaterfrontNo

Gated CommunityYes

Direction FacesSouth

Community Information

Address150 Calle El Jardin 201, St. Augustine, FL 32095

Area312-Palencia Area

SubdivisionPalencia

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32095

Parcel Number0724210521

Amenities

AmenitiesPool, Car Wash Area, Children's Pool, Clubhouse, Dog Park, Fitness Center, Gated, Jogging Path, Management - Off Site, Pickleball, Spa/Hot Tub, Trash

UtilitiesCable Connected, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAdditional Parking, Assigned, Carport, Covered, Guest, Off Street

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, His and Hers Closets, Primary Bathroom - Shower No Tub, Walk-In Closet(s)

AppliancesConvection Oven, Dishwasher, Double Oven, Dryer, Electric Cooktop, Electric Water Heater, Microwave, Refrigerator, Washer

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile, Vinyl

# of Stories1

LaundryIn Unit

SecuritySecurity Gate

Spa FeaturesCommunity