This home is in Celestina, St. Johns.

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Active

Active·72 days on market·Celestina

32 Talori Avenue

St. Johns, FL 32259

$649,900$203/sqftEst. $3,459/moMLS# 2143600

Beds

Baths

3,204

Sq Ft

2018

Built

Garage

Pool

About this home

Celestina

Welcome to Celestina - Luxury Living in a Premier Gated Oasis Experience the epitome of resort-style living in the highly coveted, 24-hour guard-gated community of Celestina. Perfectly situated on a quiet cul-de-sac, this home combines privacy with unbeatable convenience, located just steps away from shopping and major highways. Upon entry, you are greeted by a versatile flex room, ideal for a home office or formal lounge. The heart of the home features an expansive open-concept design, seamlessly integrating the gourmet kitchen, spacious living area, and dining room--perfect for hosting. Retreat to the main-level primary suite, offering ultimate convenience and a professionally upgraded walk-in closet. The second floor is designed for versatility and comfort, featuring newly installed flooring from 2025,four guest bedrooms, two full baths, and a massive bonus room with private doors--easily transformable into a theater, playroom, or a 6th bedroom.

Cost to own

Mortgage calculator

Home Price

$649,900

Down Payment: 20%

$129,980

Interest Rate: 6.55%

Loan Term

Monthly Payment

$3,303

Principal & Interest: $3,303

Est. Taxes & Insurance: $826

Estimated Total Monthly

$4,129

*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$3,459

Property taxesest. at asking price, St. Johns County$865

HOAbilled monthly$170

Estimated total, before insurance$4,494/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.

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$602,002	$602,002	—
2024	$593,056	$593,056	—
2023	$537,535	$329,162	—
2022	$540,116	$318,118	—
2021	$393,120	$307,396	—
2020	$352,462	$302,462	—

2025 property taxes (current owner): $9,773/yr

Estimated taxes if purchased at asking price: ~$10,400/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 E

Zone E evacuates after zones A, B, C, D in an approaching storm.

Roof: material not specified — year not disclosed (home built 2018)

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

Solar potential: ~1,742 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

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