This home is in Cordova Palms, St. Augustine.

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Active·113 days on market·Cordova Palms

546 Barbosa Trail

St. Augustine, FL 32095

$399,990$213/sqftEst. $2,129/moMLS# 2136653

Beds

Baths

1,880

Sq Ft

2026

Built

Garage

Pool

About this home

Cordova Palms

Welcome to Cordova Palms Community in St Johns County! This beautifully designed Award-Winning Naples Floor Plan boasts 4-bedroom, 2-bathroom home offers 1,880 square feet of comfortable living space, 9' ceilings! Lot 631. Perfect for families of all sizes. Enter into a bright, open-concept living area that seamlessly flows into the modern kitchen and dining space, creating an inviting atmosphere for gatherings. The well-appointed kitchen features ample counter space and storage, making meal prep a breeze. Retreat to the spacious primary suite with a private en-suite bath, while three additional bedrooms provide flexibility for guests, a home office, or playroom. 42'' gray kitchen cabinets, w/crown molding, kitchen quartz countertop, double gas range w/microwave, kitchen exhaust above gas range to the exterior, tile in all bathroom flooring, wood look tile in the main areas, upgraded carpet in all bedrooms, raised vanities in all baths including quartz countertops

Cost to own

Mortgage calculator

Home Price

$399,990

Down Payment: 20%

$79,998

Interest Rate: 6.55%

Loan Term

Monthly Payment

$2,033

Principal & Interest: $2,033

Est. Taxes & Insurance: $508

Estimated Total Monthly

$2,541

*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$2,129

Property taxesest. at asking price, St. Johns County$532

HOAbilled monthly$70

Estimated total, before insurance$2,731/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.

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: material not specified — year not disclosed (home built 2026)

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

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