This home is in Paloma, St. Augustine — a waterfront home in St. Johns County.
Sold·Closed Jul 10, 2026·59 days on market·Recent sales in Paloma·Paloma
405 Cabernet Place
St. Augustine, FL 32084
5 more homes for sale in Paloma →Search Paloma on the map
About this home
Paloma
Fantastic 3 bedroom 2 1/2 bath end unit in Paloma! This townhome has just been refreshed with new interior paint, upstairs carpeting and new appliances. You will enjoy the spacious main level that consists of a formal dining area a well designed kitchen and a living space with a great view of the lake. The kitchen has a great snack bar, huge pantry and as prevously mentioned brand new appliances. The main area has tile flooring throughout for easy maintenance and durability. There is also a half bath for convenience Upstairs has 3 bedrooms a laundry room and two bathrooms.This unit has a garage and extra privacy as an end unit which is an additional bonus. Paloma is a great townhome community near to all that St. Augustine has to offer as well as close to I-95 and the outlet malls!
Next steps in Paloma
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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).
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
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 2006)
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 homeAs 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.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $197,611 | $197,611 | — |
| 2024 | $211,755 | $194,478 | — |
| 2023 | $213,783 | $176,798 | — |
| 2022 | $199,502 | $160,725 | — |
| 2021 | $146,114 | $146,114 | — |
| 2020 | $143,064 | $143,064 | — |
2025 property taxes (current owner): $3,007/yr
Estimated taxes if purchased at asking price: ~$3,800/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.
History
Price & status history
- Jul 10, 2026Closed$239,000
- Apr 4, 2026Listed$239,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Closed sales
What sold nearby
Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $150/sq ft; this home is listed at $156/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 429 Cabernet Place, St. Augustine, FL 32084Listed by BERKSHIRE HATHAWAY HOME SERVICES FLORIDA NETWORK | Dec 2025 | $252,000 | $163 | 3/2.5 | 1,548 | 58 | 0 |
| 109 Merlot Way, St. Augustine, FL 32084Listed by MARK SPAIN REAL ESTATE | Sep 2026 | $175,000 | $145 | 2/2.5 | 1,204 | 100 | 0.1 |
| 237 Syrah Way, St. Augustine, FL 32084Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINE | Sep 2026 | $173,000 | $150 | 2/2.5 | 1,155 | 22 | 0.1 |
| 652 Drake Bay Terrace, St. Augustine, FL 32084Listed by FLORIDA HOMES REALTY & MTG LLC | Jun 2026 | $190,000 | $134 | 3/2.5 | 1,415 | 120 | 0.1 |
| 611 Drake Bay Terrace, St. Augustine, FL 32084Listed by MARK SPAIN REAL ESTATE | Jan 2026 | $165,000 | $116 | 3/2.5 | 1,424 | 214 | 0.1 |
| 211 Crete Court, St. Augustine, FL 32084Listed by FLORIDA HOMES REALTY & MTG LLC | Jun 2026 | $270,000 | $166 | 3/2.5 | 1,623 | 23 | 0.2 |
Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: WATSON REALTY CORP
Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.
The neighborhood
About Paloma
Paloma is a neighborhood in St. Augustine, FL (St. Johns County), ZIP 32084.
View all Paloma homes for sale →Keep looking
More homes in Paloma
For Sale613 Drake Bay TerraceSt. Augustine, FL 32084
3 bd · 2.5 ba · 1,424 sq ft
$214,000Est. $1,139/moThis just- like-New townhouse, has completely NEW kitchen, New tile flooring, New Paint job and it's Turn Key move in…
Listing Office: florida homes realty & mtg llc
For Sale438 Cabernet PlaceSt. Augustine, FL 32084
3 bd · 2.5 ba · 1,424 sq ft
$190,000Est. $1,011/moWelcome to this 3-bedroom, 2.5-bath townhouse in the desirable Paloma. Built in 2007, this two-story home offers 1,424…
Listing Office: watson realty corp
For Sale499 Cabernet PlaceSt. Augustine, FL 32084
2 bd · 2.5 ba · 1,204 sq ft
$189,900Est. $1,011/moWell kept 2 bedroom ensuites plus 1/2 bath townhouse with pond view. Easy access to I-95 and to downtown St. Augustine.…
Listing Office: memory hopkins real estate
For Sale105 Merlot WaySt. Augustine, FL 32084
3 bd · 2.5 ba · 1,536 sq ft
$289,000Est. $1,538/moBeautifully updated and designed for low-maintenance living, this spacious end-unit townhome offers 1,536 square feet…
Listing Office: mark spain real estate
Keep looking
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Jul 10, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.
Text Krista about this saleHomes for sale nearby →20+ years · 500+ closings · NE Florida
Curious what nearby homes sold for?
MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
Northeast Florida living
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