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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 golf course home in St. Johns County.

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Active Under Contract

Active Under Contract·162 days on market·Palencia

261 Dosel Lane

St. Augustine, FL 32095

$655,000$244/sqftEst. $3,600/mo mortgageMLS# 2145246
↓ $60,000 below original list
4
Beds
3
Baths
2,689
Sq Ft
2020
Built
3
Garage
No
Pool

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

FEMA Zone XHOA $10/mo10,454 sqft lotSingle Family Residence1 story

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About this home

Palencia

Single-story living on a protected preserve lot inside the gates of Palencia North. Built in 2020, this 4-bedroom, 3-full-bath home adds a dedicated office, a 3-car garage and 2,689 sq ft of open, upgraded space with tile flooring throughout and no carpet. The kitchen anchors the great room with a large island and breakfast bar, gas cooktop, stainless appliances and abundant cabinetry, flowing into dining and living areas finished with tray ceilings, crown molding, upgraded lighting, custom window treatments and a built-in living room wall unit. The split plan keeps the primary suite private, with a fully customized closet and a spa-style bath with dual vanities, soaking tub and separate shower. Two secondary bedrooms have en-suite bath access, ideal for guests or multigenerational living. Sliders open to a screened, sealed-paver lanai backing to preserve.

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Cost to own

True monthly cost

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

Principal & interest20% down · 7.32% · 30yr$3,600
Property taxesest. at asking price, St. Johns County$872
HOAbilled annually$10
Estimated total, before insurance$4,482/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$8,881/yr · $740/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

$655,000
$131,000
Loan Term
Monthly Payment
$3,600
Principal & Interest: $3,600
Property taxes (est.): $872
Insurance (est.): $437
Estimated Total Monthly
$4,908
*30-year loan at 7.32% APR (avg 30-yr rate 2026-10-22, 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.

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 2020)

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

Solar potential: ~1,778 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

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.

Around this address

Nearby, from public data

The closest public beach, park, water access, league fields and grocery store from this home's location.

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.

Cost to own

Taxes & assessment

Last sold: $730,000 in July 2023(county public record, not MLS data)

YearMarket valueTaxable valueChange
2025$606,114$334,708—
2024$589,221$324,568—
2023$572,770$494,399—
2022$470,544$449,454—
2021$408,595$408,595—
2020$50,000$50,000—

2025 property taxes (current owner): $8,881/yr

Estimated taxes if purchased at asking price: ~$10,500/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.

History

Price & status history

  • Sep 29, 2026Active Under Contract$655,000
  • Sep 15, 2026Price change$655,000−$25,000
  • Aug 22, 2026Price change$680,000−$19,000
  • Jul 26, 2026Price change$699,000−$16,000
  • May 14, 2026Listed$715,000

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

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 $263/sq ft; this home is listed at $244/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
241 Dosel Lane, St. Augustine, FL 32095Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINESep 2026$634,000$2634/32,411440
21 Calle De Paz, St. Augustine, FL 32095Listed by REAL BROKER LLCSep 2026$530,000$2284/22,320170.2
126 Glorieta Drive, St. Augustine, FL 32095Listed by MCGUIRE REALTY GROUPOct 2026$540,000$2354/2.52,302130.3
223 Creek Pebble Drive, Ponte Vedra, FL 32081Listed by SIGNATURE FIRST COAST REALTYOct 2026$690,000$3293/22,0973680.3
2785 Las Calinas Boulevard, St. Augustine, FL 32095Listed by EXP REALTY LLCOct 2026$750,000$2185/43,448450.6
472 Glorieta Drive, St. Augustine, FL 32095Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTYSep 2026$730,000$3224/32,264890.6

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$655,000
Price / Sq Ft$244
Bedrooms4
Bathrooms3.00
Full Baths3
Square Footage2,689
Acres0.24 acres
Year Built2020
TypeResidential
Sub-TypeSingle Family Residence
StatusActive Under Contract
# of Garages3
Has PoolNo
Is WaterfrontNo

School Information

Zone sourceSt. Johns County School District attendance zones, current school year. Zones change; confirm with the district before you rely on one.
Reported byThe listing agent, in the MLS. Where it differs from the zone, the zone wins.

Community Information

Address261 Dosel Lane, St. Augustine, FL 32095
Area312-Palencia Area
SubdivisionPalencia
CitySt. Augustine
CountySt. Johns
StateFL
Zip Code32095
Lot Size10,454.4 sq ft
Parcel Number0721520450

Amenities

AmenitiesPool, Clubhouse, Fitness Center, Golf Course, Pickleball, Tennis Court(s)
UtilitiesSewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingGarage

Interior

AppliancesDryer, Microwave, Refrigerator, Washer
HeatingCentral, Electric
CoolingCentral Air, Electric
FlooringTile
# of Stories1

Additional Information

Date ListedMay 14, 2026
Days on Market138
HOA Fees$125 / Annually
HOA FrequencyAnnually
Tax Amount$8,880.94
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: BERKSHIRE HATHAWAY HOMESERVICES, FLORIDA NETWORK REALTY

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

Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.

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20+ years · 500+ closings · NE Florida

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