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This home is in Palencia, St. Augustine — a pool home in St. Johns County.

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Active

Active·111 days on market·Palencia

266 Sophia Terrace

St. Augustine, FL 32095

$1,125,000$377/sqftEst. $5,790/moMLS# 2141733

Beds

Baths

2,983

Sq Ft

2016

Built

Garage

Yes

Pool

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.

Cost to own

Mortgage calculator

Home Price

$1,125,000

Down Payment: 20%

$225,000

Interest Rate: 6.67%

Loan Term

Monthly Payment

$5,790

Principal & Interest: $5,790

Property taxes (est.): $1,497

Insurance (est.): $750

Estimated Total Monthly

$8,037

*30-year loan at 6.67% APR (avg 30-yr rate 2026-08-13, 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 · 6.67% · 30yr$5,790

Property taxesest. at asking price, St. Johns County$1,497

HOAbilled annually$13

Estimated total, before insurance$7,299/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$9,418/yr · $785/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 (that applies to the reference bill above too).

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
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: ~$18,000/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.

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.

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

Apr 24, 2026Listed$1,125,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$1,125,000

Price / Sq Ft$377

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,983

Acres0.78 acres

Year Built2016

TypeResidential

Sub-TypeSingle Family Residence

StyleMulti Generational, Ranch

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolYes

Pool FeaturesIn Ground, Fenced

Is WaterfrontYes

Gated CommunityYes

School Information

ElementaryPalencia

MiddlePacetti Bay

HighAllen D. Nease

Community Information

Address266 Sophia Terrace, St. Augustine, FL 32095

Area312-Palencia Area

SubdivisionPalencia

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32095

Lot Size33,976.8 sq ft

Parcel Number0720760350

ZoningSingle Family

Amenities

AmenitiesPool, Basketball Court, Children's Pool, Clubhouse, Dog Park, Fitness Center, Gated, Golf Course, Jogging Path, Maintenance Grounds, Park, Pickleball, Playground, Racquetball, Security, Shuffleboard Court, Tennis Court(s)

UtilitiesElectricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAdditional Parking, Attached, Garage, Garage Door Opener, Guest

ViewLake, Trees/Woods

Waterfront TypeLake Front

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Guest Suite, In-Law Floorplan, Kitchen Island, Open Floorplan, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Dryer, Gas Cooktop, Refrigerator, Washer, Water Softener Owned

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringTile

FireplaceYes

# of Fireplaces2

Fireplace FeaturesOther

# of Stories1

LevelsOne

LaundryIn Unit, Sink

SecuritySecurity Gate