This home is in Cordova Palms, St. Augustine.

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Active·Listed today·Cordova Palms

490 Barbosa Trail

St. Augustine, FL 32095

$479,990$162/sqftEst. $2,555/moMLS# 2143119

Beds

Baths

2,956

Sq Ft

2026

Built

Garage

Pool

About this home

Cordova Palms

Welcome to our St Johns Community, Cordova Palms! Low CDD & HOA Fees. Amazing amenities, Clubhouse, Gym, Pool, Playground, Pickle Ball & Dog Park. Natural Gas Community! Lot 623. The stunning Stratford two-story home features 5 bedrooms, 3.5 bathrooms, bonus room, offering an expansive 2,956 square feet of thoughtfully designed living space with a picture-perfect homesite w/ a slight lake view. The master suite is conveniently located on the main floor, providing a serene retreat, while four additional bedrooms and a versatile loft & bonus room are situated upstairs. As you enter, you'll be greeted by a separate dining room or study, perfect for formal gatherings or a quiet workspace. The heart of the home features a spacious, open kitchen that seamlessly flows into the inviting family room, making it ideal for entertaining and everyday living. The loft area adds extra living space, offering endless possibilities for a game room, home office, or relaxation zone. Home includes 42''

Cost to own

Mortgage calculator

Home Price

$479,990

Down Payment: 20%

$95,998

Interest Rate: 6.55%

Loan Term

Monthly Payment

$2,440

Principal & Interest: $2,440

Est. Taxes & Insurance: $610

Estimated Total Monthly

$3,050

*Estimates based on 30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, Freddie Mac PMMS via FRED). Actual payments 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 · 7.0% · 30yr$2,555

Property taxesest. at asking price, St. Johns County$639

HOAbilled monthly$70

Estimated total, before insurance$3,263/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History