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·145 days on market·Cordova Palms

421 Barbosa Trail

St. Augustine, FL 32095

$399,990$210/sqftEst. $2,056/moMLS# 2138690

Beds

Baths

1,908

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. The Award-Winning Emory 1908 SF. Lot 657 Home showcases a 9' ceilings, 4 bed, 2 bath, 2 car garage. Open floor plan, oversized owner's suite bathroom with walk in tile shower, included the glass shower door, double sinks, oversize closet Home features: a storage closet, double gas range stove w/microwave, vented to the exterior above the gas range, Upgraded luxury Laminate flooring in the main areas, Tile bathroom flooring, 42'' white kitchen cabinets w/crown molding, Quartz counter tops in the kitchen and both bathrooms, window blinds, oversized covered lanai! Tankless water heater, recess lights in kitchen and family room

Cost to own

Mortgage calculator

Home Price

$399,990

Down Payment: 20%

$79,998

Interest Rate: 6.66%

Loan Term

Monthly Payment

$2,056

Principal & Interest: $2,056

Property taxes (est.): $532

Insurance (est.): $267

Estimated Total Monthly

$2,855

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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.

Cost to own

True monthly cost

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

Principal & interest20% down · 6.66% · 30yr$2,056

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

HOAbilled monthly$70

Estimated total, before insurance$2,659/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.

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