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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in Palencia, St. Augustine.

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Sold

Sold·Closed Jul 28, 2026·48 days on market·Recent sales in Palencia·Palencia

425 La Travesia Flora 203

St. Augustine, FL 32095

$195,000sold priceListed at $200,000 · 97.5% of asking$153/sqftMLS# 2141560
2
Beds
2
Baths
1,278
Sq Ft
2005
Built
—
Garage
No
Pool

43 more homes for sale in Palencia →Search Palencia on the map

FEMA Zone XHOA $222/moCondominium1 story

About this home

Palencia

LOWEST PRICED condo in Palencia!! Welcome home to this beautifully updated 2-bedroom, 2-bathroom condo in the desirable Palencia neighborhood of St. Augustine. Step inside to find new oak flooring and fresh, neutral paint that creates a bright, modern feel. Updates also include a large stainless steel farmhouse sink in the kitchen, light fixtures, bathroom faucets & shower heads, new door handles/hardware, water heater, custom patio shade, and more.The open layout is perfect for everyday living and entertaining. Both bedrooms offer generous space, while the primary suite features a private bath for added convenience. Enjoy world class amenities at Palencia that include pickle ball, golf, tennis, and nature trails to the intracoastal to name a few. Convenience comes standard with grocery stores, dental, medical and more just walking distance from your condo! This turn key home is priced to sell quickly and is move in ready! Don't miss this opportunity. Schedule your showing today!

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$1,080
Property taxesest. at asking price, St. Johns County$259
HOAbilled quarterly$222
Estimated total, before insurance$1,561/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,322/yr · $360/mo

This bill runs well above the county-average estimate — usually the sign of a CDD or special assessment on this home. We confirm the exact line (and whether a bond was ever prepaid) before you offer.

  • • 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

$195,000
$39,000
Loan Term
Monthly Payment
$1,080
Principal & Interest: $1,080
Property taxes (est.): $260
Insurance (est.): $130
Estimated Total Monthly
$1,470
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: material not specified — year not disclosed (home built 2005)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Sewer & public water · St Johns County Utilities

County records show this parcel on central sewer served by St Johns County Utilities — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,796 usable sun-hours per year

A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.

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.

Cost to own

Taxes & assessment

YearMarket valueTaxable valueChange
2025$195,000$85,894—
2024$205,000$82,766—
2023$198,090$78,899—
2022$149,000$75,145—
2021$121,500$71,500—
2020$117,500$87,691—

2025 property taxes (current owner): $4,322/yr

Estimated taxes if purchased at asking price: ~$3,100/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 28, 2026Closed$200,000
  • Apr 23, 2026Listed$200,000

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 $177/sq ft; this home is listed at $156/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
180 Calle El Jardin 204, St. Augustine, FL 32095Listed by BETTER HOMES & GARDENS REAL ESTATE LIFESTYLES REALTYOct 2025$249,000$1803/21,38330
425 La Travesia Flora 102, St. Augustine, FL 32095Listed by ONE SOTHEBY'S INTERNATIONAL REALTYMay 2025$239,000$1872/21,278260
315 Via Castilla 204, St. Augustine, FL 32095Listed by MARK SPAIN REAL ESTATESep 2026$212,500$1543/21,383170.1
305 Via Castilla 203, St. Augustine, FL 32095Listed by DJ & LINDSEY REAL ESTATESep 2026$215,000$1682/21,278110.1
315 Via Castilla 203, St. Augustine, FL 32095Listed by DAVIDSON REALTY, INC.Jun 2026$215,000$1682/21,2781120.1
450 La Travesia Flora 204, St. Augustine, FL 32095Listed by EAGLES WORLD REALTY, INCMay 2026$245,000$1773/21,383790.1

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$200,000
Price / Sq Ft$156
Bedrooms2
Bathrooms2.00
Full Baths2
Square Footage1,278
Year Built2005
TypeResidential
Sub-TypeCondominium
StatusClosed
# of Carport Spaces1
Has PoolNo
Is WaterfrontNo

Community Information

Address425 La Travesia Flora 203, St. Augustine, FL 32095
Area312-Palencia Area
SubdivisionPalencia
CitySt. Augustine
CountySt. Johns
StateFL
Zip Code32095
Parcel Number0724211823
ZoningResidential

Amenities

UtilitiesCable Available, Sewer Connected
SewerPublic Sewer
Water SourcePublic
ParkingAssigned, Covered

Interior

Interior FeaturesBreakfast Bar
AppliancesDishwasher, Dryer, Electric Cooktop, Electric Oven, Refrigerator, Washer
HeatingCentral
CoolingCentral Air
# of Stories1
LevelsOne

Additional Information

Date ListedApril 23, 2026
Days on Market48
HOA Fees$665 / Quarterly
HOA FrequencyQuarterly
Tax Amount$4,322.28
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: PREMIER HOMES 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 Palencia

Palencia is a neighborhood in St. Johns County, FL (St. Johns County), ZIP 32095.

View all Palencia homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Jul 28, 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.

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