This home is in Cordova Palms, St. Augustine.

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Active

Active·101 days on market·Cordova Palms

537 Barbosa Trail

St. Augustine, FL 32095

$444,990$195/sqftEst. $2,368/moMLS# 2138681

Beds

Baths

2,286

Sq Ft

2026

Built

Garage

Pool

About this home

Cordova Palms

Welcome to our St Augustine Community! Low CDD & HOA Fees. Amazing amenities, Clubhouse, Gym, Pool, Playground, Pickle Ball, Dog Park and so much more. Lot 647. Start Packing.... The Emory II boasts, 2286 sf. a beautifully designed home featuring 5 bedrooms, 3 full bathrooms. As you enter, you'll find a versatile study/bedroom, ideal for work or family gatherings. The spacious living area flows seamlessly into the modern kitchen, creating an inviting atmosphere for entertaining! Home Includes, double gas range ovens, 42'' white kitchen cabinets w/cove molding, stainless steel double range ovens, w/microwave and vented to the exterior! Quartz kitchen countertop, the kitchen island is perfect for entertaining! Great owners' bathroom, w/a tiled walk-in shower with a glass shower door, oversized large closet! Tile in all bathroom flooring, Luxury Laminate flooring in the main areas, raised vanities in all baths including quartz countertops

Cost to own

Mortgage calculator

Home Price

$444,990

Down Payment: 20%

$88,998

Interest Rate: 6.55%

Loan Term

Monthly Payment

$2,262

Principal & Interest: $2,262

Est. Taxes & Insurance: $565

Estimated Total Monthly

$2,827

*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$2,368

Property taxesest. at asking price, St. Johns County$592

HOAbilled monthly$70

Estimated total, before insurance$3,031/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