This home is in Ocean Palms, St. Augustine.

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Active

Active·50 days on market·Ocean Palms

700 El Vergel Lane

St. Augustine, FL 32080

$595,000$299/sqftEst. $3,167/moMLS# 2147280

Beds

Baths

1,990

Sq Ft

2002

Built

Garage

Yes

Pool

About this home

Ocean Palms

Experience coastal living at its best on Anastasia Island! This beautifully maintained 3 bedroom 2 bathroom patio POOL home in the coveted gated community of Ocean Palms, where nature, privacy, and convenience meet. Set amid lush tropical landscaping and just minutes from the beach, this single-level home offers a low-maintenance Florida lifestyle with all the charm of island living. Step inside to an open-concept layout filled with natural light, featuring tile and wood flooring throughout. The kitchen comes with all appliances and generous counter space perfect for both daily meals and entertaining friends. Home is equipped with a separate formal dining area and a flex/office space. The primary suite is tucked privately away, offering a peaceful retreat with his and her closets and en-suite bath. Out back is your own private oasis with a fully screened in pool area. Exclusive community amenities include a pool, playground, private pier on the Intracoastal Waterway, and walking trails

Cost to own

Mortgage calculator

Home Price

$595,000

Down Payment: 20%

$119,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$3,024

Principal & Interest: $3,024

Est. Taxes & Insurance: $756

Estimated Total Monthly

$3,780

*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$3,167

Property taxesest. at asking price, St. Johns County$792

HOAbilled monthly$268

Estimated total, before insurance$4,227/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	$527,002	$471,280	—
2024	$517,390	$462,390	—
2023	$486,317	$226,868	—
2022	$481,818	$218,804	—
2021	$328,347	$210,975	—
2020	$327,017	$207,372	—

2025 property taxes (current owner): $6,869/yr

Estimated taxes if purchased at asking price: ~$9,500/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.

Storms & insurance

Florida Reality Check

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

Zone X (shaded) — moderate flood risk (0.2% annual chance)

Flood insurance is optional but often inexpensive here — worth pricing.

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

Hurricane evacuation zone A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: Shingle — year not disclosed (home built 2002)

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: ~1,831 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

Jul 14, 2026Price change$595,000−$10,000
May 27, 2026Listed$605,000

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

Features

Price$595,000

Price / Sq Ft$299

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,990

Acres0.15 acres

Year Built2002

TypeResidential

Sub-TypeSingle Family Residence

StylePatio Home

StatusActive

# of Garages2

Has PoolYes

Pool FeaturesIn Ground, Screen Enclosure

Is WaterfrontNo

Gated CommunityYes

Community Information

Address700 El Vergel Lane, St. Augustine, FL 32080

Area331-St Augustine Beach

SubdivisionOcean Palms

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32080

Lot Size6,534 sq ft

Parcel Number1759311840

ZoningResidential

Amenities

AmenitiesPool, Gated, Playground, Trash, Water

UtilitiesCable Connected, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage

Interior

Interior FeaturesBreakfast Bar, Built-in Features, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, His and Hers Closets, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Dryer, Electric Oven, Electric Range, Electric Water Heater, Microwave, Refrigerator, Washer

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringTile, Wood

FireplaceYes

# of Fireplaces1

Fireplace FeaturesGas

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, In Unit, Washer Hookup

SecuritySecurity Gate