This home is in St. Augustine.

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Active

Active·50 days on market

324 Palmetto Ridge Road

St. Augustine, FL 32095

$292,440$224/sqftEst. $1,556/moMLS# 2147225

Beds

Baths

1,308

Sq Ft

2026

Built

—

Garage

Pool

About this home

St. Augustine

The Springfield townhome is a thoughtfully designed floor plan that offers a surprising amount of space and comfort within approximately 1,308 square feet. With three bedrooms and 2.5 bathrooms, this inviting two-story home is ideal for homeowners seeking a functional layout that still feels open and bright. The main level features a seamless flow between the kitchen and living area, creating a welcoming environment for both relaxing and entertaining. The kitchen is designed with ample counter space and storage, making meal preparation easy while staying connected to family and guests in the adjacent living room. Sliding glass doors bring in generous natural light, filling the home with warmth and enhancing the open feel of the living spaces throughout the day. Upstairs, the primary suite provides a peaceful retreat, complete with a spacious walk-in closet and a well-appointed bathroom with a large vanity. Two additional bedrooms offer flexibility.

Cost to own

Mortgage calculator

Home Price

$292,440

Down Payment: 20%

$58,488

Interest Rate: 6.55%

Loan Term

Monthly Payment

$1,486

Principal & Interest: $1,486

Est. Taxes & Insurance: $372

Estimated Total Monthly

$1,858

*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$1,556

Property taxesest. at asking price, St. Johns County$389

HOAbilled quarterly$117

Estimated total, before insurance$2,062/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

Last sold: $8,460,000 in March 2024(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$48,000	$48,000	—
2024	$40,000	$40,000	—

Estimated taxes if purchased at asking price: ~$4,700/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: Shingle — year not disclosed (home built 2026)

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

Solar potential: ~1,492 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

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