This home is in Cordova Palms, St. Augustine.

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Active

Active·23 days on market·Cordova Palms

44 Algiers Court

St. Augustine, FL 32095

$424,990$193/sqftEst. $2,262/moMLS# 2138684

Beds

Baths

2,201

Sq Ft

2026

Built

Garage

Pool

About this home

Cordova Palms

Welcome to our St Johns Community! Low CDD & HOA Fees. Amazing amenities, Clubhouse, Gym, Pool, Playground, Pickle Ball & Dog Park. Natural Gas Community! Lot 626 on a cul-de-sac street! The Award-Winning Amherst II plan boasts, 2201 SF. 4 Bedroom, Loft, w/3 full bath home and 2 car garage backing to a lake view homesite! Great oversized kitchen/ café for family holiday gatherings w/lots of natural light, the master owner's suite features a walk-in tile shower, with a glass shower door w/an oversized walk-in closet & double sinks too! Home Includes, Luxury Laminate flooring in the main living areas, upgraded carpet in all the bedrooms, tile in all bathrooms, 42'' white cabinets, Cove crown molding, Double gas range oven w/microwave, stainless steel microwave, vented to the exterior above the gas range, upgraded kitchen quartz countertop and all bathrooms, with raised vanities.

Cost to own

Mortgage calculator

Home Price

$424,990

Down Payment: 20%

$84,998

Interest Rate: 6.55%

Loan Term

Monthly Payment

$2,160

Principal & Interest: $2,160

Est. Taxes & Insurance: $540

Estimated Total Monthly

$2,700

*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$2,262

Property taxesest. at asking price, St. Johns County$566

HOAbilled monthly$70

Estimated total, before insurance$2,897/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