This home is in Ocean Palms, St. Augustine — a gated community home in St. Johns County.
Active·94 days on market·Ocean Palms
700 El Vergel Lane
St. Augustine, FL 32080
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
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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).
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: ~$9,300/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 (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 homeAs 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.
History
Price & status history
- Aug 17, 2026Price change$585,000−$10,000
- 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
Community Information
Amenities
Interior
Exterior
Additional Information
The neighborhood
About Ocean Palms
Ocean Palms is a neighborhood in St. Johns County, FL (St. Johns County), ZIP 32080.
View all Ocean Palms homes for sale →Listing Courtesy of: JASON MITCHELL REAL ESTATE FLORIDA, LLC.
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Your Local Realtor
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.
Text Krista about this home20+ years · 500+ closings · NE Florida
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Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines