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 Palencia, St. Augustine — a gated community home in St. Johns County.

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Active

Active·125 days on market·Palencia

125 Parkside Drive

St. Augustine, FL 32095

$915,000$329/sqftEst. $4,704/moMLS# 2142033

Beds

Baths

2,780

Sq Ft

2003

Built

Garage

Pool

About this home

Palencia

Highly sought-after section of gated Palencia. Complete with four bedrooms, a study/flex bedroom, and multiple living spaces. Stunning kitchen showcases oak cabinetry, quartz countertops, wrap-around breakfast bar, gas cooktop, drawer microwave, and eat-in dining nook. Includes rich hardwood flooring throughout the main living spaces, soaring 12 ft ceilings, and thoughtful trim details adding charm and character to the home. Both main living spaces open up to a peaceful screened in patio for year round relaxation or entertainment. The master suite overlooks the serene outdoor living and offers a spa-like en-suite bathroom with dual vanities, freestanding tub, and zero-entry shower. A walk-in closet is conveniently attached. All bedrooms are complete with luxury vinyl plank flooring. Rare spacious yard, mature oak hammock, enclosed screen lanai, open air patio, and fire pit make for a tranquil backyard oasis.

Cost to own

Mortgage calculator

Home Price

$915,000

Down Payment: 20%

$183,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$4,704

Principal & Interest: $4,704

Property taxes (est.): $1,218

Insurance (est.): $610

Estimated Total Monthly

$6,532

*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$4,704

Property taxesest. at asking price, St. Johns County$1,218

HOAbilled annually$10

Estimated total, before insurance$5,932/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$7,165/yr · $597/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	$568,863	$518,141	—
2024	$564,638	$514,638	—
2023	$574,865	$412,303	—
2022	$475,738	$374,821	—
2021	$360,664	$340,746	—
2020	$309,769	$309,769	—

2025 property taxes (current owner): $7,165/yr

Estimated taxes if purchased at asking price: ~$14,600/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 2003)

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

Sewer · St Johns County Utilities - accounts · Public water · St Johns County Utilities - water accounts

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

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

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

Aug 27, 2026Price change$915,000−$10,000
Aug 12, 2026Price change$925,000−$10,000
Jul 20, 2026Price change$935,000−$7,000
Apr 26, 2026Listed$942,000

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

Features

Price$915,000

Price / Sq Ft$329

Bedrooms5

Bathrooms3.00

Full Baths3

Square Footage2,780

Acres0.34 acres

Year Built2003

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionUpdated/Remodeled

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontNo

Gated CommunityYes

Community Information

Address125 Parkside Drive, St. Augustine, FL 32095

Area312-Palencia Area

SubdivisionPalencia

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32095

Lot Size14,810.4 sq ft

Parcel Number0720730080

Amenities

AmenitiesPool, Basketball Court, Children's Pool, Fitness Center, Gated, Jogging Path, Maintenance Grounds, Park, Pickleball, Playground, Sauna, Tennis Court(s)

UtilitiesCable Connected, Natural Gas Connected, Sewer Connected, Water Connected

Water SourcePublic

ParkingAdditional Parking, Garage, Garage Door Opener

ViewOther

Interior

Interior FeaturesBreakfast Nook, Kitchen Island, Open Floorplan, Walk-In Closet(s)

AppliancesDishwasher, Disposal, ENERGY STAR Qualified Dishwasher, Gas Range, Gas Water Heater, Refrigerator, Tankless Water Heater, Water Softener Owned

HeatingCentral

CoolingCentral Air

FlooringTile, Vinyl, Wood

FireplaceYes

# of Fireplaces1

Fireplace FeaturesGas

# of Stories1

SecuritySecurity Gate