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 Cordova Palms, St. Augustine — a new construction home in St. Johns County.

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Pending

Pending·193 days on market·Cordova Palms

537 Barbosa Trail

St. Augustine, FL 32095

$444,990$195/sqftEst. $2,465/moMLS# 2138681

Beds

Baths

2,286

Sq Ft

2026

Built

Garage

Pool

30 more homes for sale in Cordova Palms →Search Cordova Palms on the map

FEMA Zone XHOA $70/moSingle Family Residence2 storiesNew construction

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Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.

Call (904) 709-7917 Text Krista

Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

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

Next steps in Cordova Palms

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Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$2,465

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

HOAbilled monthly$70

Estimated total, before insurance$3,127/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.

Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

Home Price

$444,990

Down Payment: 20%

$88,998

Interest Rate: 7.40%

Loan Term

Monthly Payment

$2,465

Principal & Interest: $2,465

Property taxes (est.): $592

Insurance (est.): $297

Estimated Total Monthly

$3,354

*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-15, 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.

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

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

Oct 2, 2026Pending$444,990
Apr 6, 2026Listed$444,990

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 $192/sq ft; this home is listed at $195/sq ft.

Address	Closed	Price	$/sq ft	Bd/Ba	Sq ft	DOM
443 Barbosa Trail, St. Augustine, FL 32095Listed by EAGLES WORLD REALTY, INC	Sep 2026	$429,990	$191	4/3	2,248	153
260 Barbosa Trail, St. Augustine, FL 32095Listed by EAGLES WORLD REALTY, INC	Sep 2026	$419,990	$192	4/3	2,188	161
448 Barbosa Trail, St. Augustine, FL 32095Listed by EAGLES WORLD REALTY, INC	Sep 2026	$410,000	$186	4/3	2,201	100
406 Barbosa Trail, St. Augustine, FL 32095Listed by EAGLES WORLD REALTY, INC	Sep 2026	$384,990	$233	3/2	1,655	53
44 Algiers Court, St. Augustine, FL 32095Listed by EAGLES WORLD REALTY, INC	Sep 2026	$437,500	$199	4/3	2,201	94
534 Barbosa Trail, St. Augustine, FL 32095Listed by EAGLES WORLD REALTY, INC	Sep 2026	$489,990	$166	5/3.5	2,956	22

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

Price$444,990

Price / Sq Ft$195

Bedrooms5

Bathrooms3.00

Full Baths3

Square Footage2,286

Year Built2026

TypeResidential

Sub-TypeSingle Family Residence

StatusPending

# of Garages2

Has PoolNo

Is WaterfrontNo

New ConstructionYes

Community Information

Address537 Barbosa Trail, St. Augustine, FL 32095

Area307-World Golf Village Area-SE

SubdivisionCordova Palms

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32095

Parcel Number0725716470

Amenities

UtilitiesSewer Available

Water SourcePublic

ParkingAttached, Garage

Interior

AppliancesDishwasher, Disposal, Double Oven, Gas Range, Microwave, Tankless Water Heater

HeatingCentral

CoolingCentral Air

# of Stories2

Additional Information

Date ListedApril 6, 2026

Days on Market176

HOA Fees$70 / Monthly

HOA FrequencyMonthly

Listing TermsCash, Conventional, FHA, VA Loan

55+ CommunityNo

New ConstructionYes

Listing Courtesy of: EAGLES WORLD REALTY, INC

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 Cordova Palms

Cordova Palms is a neighborhood in World Golf Village, FL (St. Johns County), ZIP 32095.

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