This home is in Palencia, St. Augustine — a pool home in St. Johns County.
$1,090,000Sold4 bd · 3 ba · 2,983 sq ft
Sold·Closed Oct 9, 2026·120 days on market·Recent sales in Palencia·Palencia
266 Sophia Terrace
St. Augustine, FL 32095
37 more homes for sale in Palencia →Search Palencia on the map
About this home
Palencia
This one owner custom built concrete block construction residence offers the perfect blend of modern luxury & secluded tranquility. Set on a sprawling premier .78-acre lot in sought after Palencia, the home is reached via a private, winding driveway and offers breathtaking views of both the lake and lush, mature trees. Key Highlights: Unrivaled Privacy: One of the most secluded lots in Palencia, featuring a fenced-in sparkling pool and expansive treed views. Architectural Excellence: 12' to 14' ceilings throughout create an airy, grand atmosphere, complemented by concrete block construction with energy-efficient spray foam insulation. Chef's Dream Kitchen: A massive center island serves as the heart of the home, featuring a reverse osmosis water system and a one-year-old commercial refrigerator. Versatile Living: 4 bedrooms plus a dedicated home office with French doors. Includes a desirable main-floor in-law/guest suite with a private en-suite bath.
Next steps in Palencia
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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).
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: Shingle — year not disclosed (home built 2016)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,656 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.
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, read at the listing’s map pin or, on lots of an acre or more, across the county parcel (state cadastral). A zone shown for part of a lot may not be where the home stands. 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.
Around this address
Nearby, from public data
The closest public beach, park, water access, league fields and grocery store from this home's location.
Closest beach parking
Guana Reserve dirt lot36 min drive · 60 parking spaces
Closest park or preserve
Stokes Landing Conservation Area10 min drive · 1.9 mi of trails
Closest public boat ramp
GTM Guana River Dam Recreation Area – River Access Rampabout 3 mi · Guana River
Closest kayak & paddleboard launch
Nocatee Landing Park – Paddlecraft Rampabout 4 mi · Tolomato River
Closest youth league fields
Palencia Park3 min drive · Baseball
Closest grocery store
Publix5 min drive · 7462 US Hwy 1 N, Saint Augustine
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2026 | $767,580 | $398,811 | — |
| 2025 | $788,506 | $387,664 | — |
| 2024 | $772,769 | $376,031 | — |
| 2023 | $755,135 | $363,622 | — |
| 2022 | $667,419 | $333,128 | — |
| 2021 | $473,046 | $321,969 | — |
| 2020 | $436,683 | $316,833 | — |
2025 property taxes (current owner): $9,418/yr
Estimated taxes if purchased at asking price: ~$17,100/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 1,526 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 (2026), NEFMLS.
History
Price & status history
- Oct 9, 2026Closed$1,125,000
- Aug 30, 2026Pending$1,125,000
- Aug 30, 2026Active Under Contract$1,125,000
- Aug 22, 2026Pending$1,125,000
- Apr 24, 2026Listed$1,125,000
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 $289/sq ft; this home is listed at $365/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 720 Toria Lane, St. Augustine, FL 32095Listed by LPT REALTY LLC | Oct 2026 | $650,000 | $253 | 4/3 | 2,567 | 40 | 0.2 |
| 828 Riley Lane, St. Augustine, FL 32095Listed by INTERNATIONAL GOLF REALTY | Sep 2026 | $778,000 | $252 | 5/3 | 3,083 | 35 | 0.2 |
| 161 N River Drive, St. Augustine, FL 32095Listed by EXP REALTY LLC | Oct 2026 | $1,275,000 | $346 | 4/4 | 3,681 | 114 | 0.3 |
| 184 Oak Common Avenue, St. Augustine, FL 32095Listed by ALFA REALTORS CORP | Oct 2026 | $470,170 | $188 | 4/3 | 2,495 | 32 | 0.4 |
| 560 Sebastian Square, St. Augustine, FL 32095Listed by COMPASS FLORIDA LLC | Oct 2026 | $1,220,000 | $326 | 4/4 | 3,738 | 83 | 0.4 |
| 149 Abbotts Way, St. Augustine, FL 32095Listed by EXP REALTY LLC | Sep 2026 | $810,000 | $289 | 4/3 | 2,803 | 5 | 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.
Is this home priced right?
Ask Krista and she'll email you her read on how this price compares with recent sales nearby.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: FLORIDA HOMES REALTY & MTG LLC
Sold by: FLORIDA HOMES REALTY & MTG LLC (buyer's brokerage)
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 →Keep looking
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For Sale322 Sophia TerraceSt. Augustine, FL 32095
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$1,298,000Est. $6,909/moSituated on a private, nearly half-acre lot, this custom-built pool home is surrounded by natural landscape and…
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Oct 9, 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
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Ask Krista and she'll email you her read on how this price compares with recent sales nearby.
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