Skip to main content
Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

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

Photo 1 / 63
Sold

Sold·Closed Jun 30, 2026·26 days on market·Recent sales in Palencia·Palencia

532 Costa Del Sol Drive

St. Augustine, FL 32095

$2,650,000sold priceListed at $2,700,000 · 98.1% of asking$516/sqftMLS# 2145098
4
Beds
4.5
Baths
5,136
Sq Ft
2016
Built
3
Garage
Yes
Pool

43 more homes for sale in Palencia →Search Palencia on the map

HOA $10/mo1.10 acresWaterfrontSingle Family Residence1 story

About this home

Palencia

Discover an extraordinary expression of luxury living in the prestigious gated community of Palencia, where this stunning Arthur Rutenberg-designed estate sits proudly on a 1.1 acre cul-de-sac lot with serene lake views. Thoughtfully crafted for the most discerning buyer, this exceptional residence seamlessly blends timeless architectural elegance with the modern amenities today's luxury lifestyle demands. A private, detached casita welcomes guests in true coastal estate fashion, offering the perfect retreat for multigenerational living, visiting family, or a sophisticated home office. Inside the main residence, soaring ceilings and refined finishes set the stage for elevated everyday living, while expansive disappearing sliders span the entire rear of the home -- dissolving the boundary between indoors and out and creating a true entertainer's dream.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$14,678
Property taxesest. at asking price, St. Johns County$3,526
HOAbilled annually$10
Estimated total, before insurance$18,215/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$19,173/yr · $1,598/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$2,650,000
$530,000
Loan Term
Monthly Payment
$14,678
Principal & Interest: $14,678
Property taxes (est.): $3,526
Insurance (est.): $1,767
Estimated Total Monthly
$19,971
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Tile — year not disclosed (home built 2016)

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

Solar potential: ~1,785 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

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.

Sun & Light

Southwest-facing backyard — long light and winter sunsets

The listing reports the home facing northeast, which puts the backyard and pool on the southwest side. Today at this address: sunrise 7:25 AM, sunset 6:59 PM.

  • Summer late-afternoons run hot; a pool here is warm and sunset-lit, and shading the lanai’s west edge earns its keep.
  • The rear carries sun from midday deep into the evening, and in winter the sun sets almost straight into this exposure — the longest usable outdoor light of the diagonal lots.

Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.

Cost to own

Taxes & assessment

YearMarket valueTaxable valueChange
2025$1,547,284$1,020,780—
2024$1,467,786$991,304—
2023$1,481,297$960,975—
2022$1,539,902$931,529—
2021$1,063,363$902,941—
2020$1,019,663$889,784—

2025 property taxes (current owner): $19,173/yr

Estimated taxes if purchased at asking price: ~$42,300/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.

Closed sales

What sold nearby

Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $416/sq ft; this home is listed at $526/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
327 Costa Del Sol Drive, St. Augustine, FL 32095Listed by REALTY ONE GROUP ELEVATESep 2026$2,700,000$6065/4.54,455450.2
101 Hickory Hill Drive, St. Augustine, FL 32095Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COASTAug 2026$2,025,000$4164/4.54,86540.4
161 N River Drive, St. Augustine, FL 32095Listed by EXP REALTY LLCOct 2026$1,275,000$3464/43,6811140.5
122 Senora Court, St. Augustine, FL 32095Listed by EXP REALTY LLCAug 2026$1,576,500$4144/4.53,81130.5
647 Santa Teresa Court, St. Augustine, FL 32095Listed by KELLER WILLIAMS ST JOHNSJul 2026$2,845,000$5696/54,99760.8
286 Vale Drive, St. Augustine, FL 32095Listed by COMPASS FLORIDA LLCJul 2026$1,457,500$3855/4.53,78170.8

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

Features

Price$2,700,000
Price / Sq Ft$526
Bedrooms4
Bathrooms4.50
Full Baths4
Half Baths1
Square Footage5,136
Acres1.10 acres
Year Built2016
TypeResidential
Sub-TypeSingle Family Residence
StyleSpanish
Property ConditionUpdated/Remodeled
StatusClosed
# of Garages3
Has PoolYes
Pool FeaturesIn Ground, Gas Heat, Heated, Salt Water, Screen Enclosure
Is WaterfrontYes
Gated CommunityYes
Direction FacesNortheast

School Information

Community Information

Address532 Costa Del Sol Drive, St. Augustine, FL 32095
Area312-Palencia Area
SubdivisionPalencia
CitySt. Augustine
CountySt. Johns
StateFL
Zip Code32095
Lot Size47,916 sq ft
Parcel Number0724260310
ZoningPUD

Amenities

AmenitiesPool, Basketball Court, Boat Dock, Children's Pool, Clubhouse, Dog Park, Fitness Center, Gated, Golf Course, Jogging Path, Park, Pickleball, Playground, Sauna, Tennis Court(s)
Community FeaturesSidewalks, Restaurant, Gated
UtilitiesCable Available, Electricity Connected, Natural Gas Connected, Sewer Connected, Water Connected
Water SourcePublic
ParkingAttached, Garage
ViewPond, Protected Preserve, Water
Waterfront TypeLake Front, Pond

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Guest Suite, His and Hers Closets, In-Law Floorplan, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Double Oven, Dryer, Gas Cooktop, Gas Water Heater, Washer
HeatingCentral
CoolingCentral Air
FlooringCarpet, Tile
FireplaceYes
# of Fireplaces1
Fireplace FeaturesGas
# of Stories1
LevelsOne
Spa FeaturesIn Ground, Heated, Private

Exterior

Lot DescriptionCul-De-Sac
Patio / PorchCovered, Patio, Screened
RoofTile
ConstructionFrame, Stucco
Other StructuresGuest House
Road SurfacePaved

Additional Information

Date ListedMay 13, 2026
Days on Market26
HOA Fees$125 / Annually
HOA FrequencyAnnually
Tax Amount$19,173.33
Tax Year2025
Listing TermsCash, Conventional, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: LPT REALTY LLC

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

The neighborhood

About Palencia

Palencia is a neighborhood in St. Johns County, FL (St. Johns County), ZIP 32095.

View all Palencia homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Jun 30, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.

Text Krista about this saleHomes for sale nearby →

20+ years · 500+ closings · NE Florida

Curious what nearby homes sold for?

MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

Northeast Florida living

Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines