This home is in Palencia, St. Augustine.

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Active

Active·68 days on market·Palencia

161 N River Drive

St. Augustine, FL 32095

$1,399,000$380/sqftEst. $7,446/moMLS# 2143664

Beds

Baths

3,681

Sq Ft

2004

Built

Garage

Yes

Pool

About this home

Palencia

The moment you pull into the circular paver driveway, you know this one is different. Step inside and your eye goes straight through to the pool and pond beyond -- that's the true highlight of this home, and that's Florida living. This Arthur Rutenberg Biscayne Model was built to impress -- then upgraded to another level entirely. Spread across 3,681 square feet with 4 bedrooms and 4 full bathrooms, every detail has been considered. A 3-car garage, plantation shutters throughout, central vac, water softener, H2O water system, barrel tile roof, landscape lighting, Don't miss the second-story attic above the garage with an automated lift -- tons of storage and you won't lift a thing. Palencia offers resort-style living with tennis, community pools, walking trails, and year-round activities. An A-rated elementary school sits right inside the community, and residents can join the Palencia Club for golf and social events! This has it all!

Cost to own

Mortgage calculator

Home Price

$1,399,000

Down Payment: 20%

$279,800

Interest Rate: 6.49%

Loan Term

Monthly Payment

$7,067

Principal & Interest: $7,067

Est. Taxes & Insurance: $1,767

Estimated Total Monthly

$8,833

*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, 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$7,446

Property taxesest. at asking price, St. Johns County$1,862

HOAbilled annually$10

Estimated total, before insurance$9,318/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	$984,424	$550,936	—
2024	$975,701	$534,561	—
2023	$964,781	$517,389	—
2022	$866,253	$500,717	—
2021	$628,853	$484,531	—
2020	$567,422	$477,082	—

Estimated taxes if purchased at asking price: ~$22,300/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: material not specified — year not disclosed (home built 2004)

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).

Solar potential: ~1,765 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

Price & status history

May 7, 2026Listed$1,399,000

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

Features

Price$1,399,000

Price / Sq Ft$380

Bedrooms4

Bathrooms4.00

Full Baths4

Square Footage3,681

Acres0.51 acres

Year Built2004

TypeResidential

Sub-TypeSingle Family Residence

StyleSpanish

StatusActive

# of Garages3

Has PoolYes

Pool FeaturesIn Ground, Heated, Screen Enclosure

Is WaterfrontYes

Gated CommunityYes

Community Information

Address161 N River Drive, St. Augustine, FL 32095

Area312-Palencia Area

SubdivisionPalencia

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32095

Lot Size22,215.6 sq ft

Parcel Number0720790090

Amenities

AmenitiesPool, Basketball Court, Children's Pool, Clubhouse, Dog Park, Fitness Center, Gated, Golf Course, Jogging Path, Management - Full Time, Pickleball, Playground, Security, Tennis Court(s), Trash

UtilitiesCable Available, Electricity Connected, Natural Gas Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

ViewPond

Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Built-in Features, Ceiling Fan(s), His and Hers Closets, Jack and Jill Bath, Kitchen Island, Open Floorplan, Primary Bathroom -Tub with Separate Shower, Walk-In Closet(s), Wet Bar, Wine Cellar

AppliancesDishwasher, Disposal, Dryer, Electric Oven, Gas Cooktop, Ice Maker, Microwave, Refrigerator, Washer

HeatingCentral

CoolingCentral Air

FlooringTile

FireplaceYes

# of Fireplaces1

# of Stories1

LevelsOne

LaundryLower Level, Sink