Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in Palencia, St. Augustine — a home near Allen D. Nease High School.

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Active

Active·93 days on market·Palencia

614 S Loop Parkway

St. Augustine, FL 32095

$592,000$261/sqftEst. $3,043/moMLS# 2147379

Beds

Baths

2,266

Sq Ft

2004

Built

Garage

Pool

About this home

Palencia

Live in the heart of amenity-rich, golf neighborhood PALENCIA in the coveted townhome community. This property is near the shops of Market Street, the community pool, gym, pickleball/clay tennis courts, & the country club (an optional membership). An end unit that is bright with windows, this 3 bedroom, 2.5 bath, 2-car garage is a rare find. The kitchen and bathrooms have been updated! Sellers also recently added cabinets/shiplap in the dining area to create a feature wall/extra storage. This townhome is move-in ready and offers an inviting floor plan that includes: a first level owner's suite and laundry, open living/dining with 10 ft. ceilings, plantation shutters, hardwood floors and new tile, half bath, gas cooktop, and a quaint paver courtyard reminiscent of European architecture. Upstairs is a large bonus room with private balcony, 2 additional bedrooms, tankless water heater, and a full bath with two sinks.

Cost to own

Mortgage calculator

Home Price

$592,000

Down Payment: 20%

$118,400

Interest Rate: 6.66%

Loan Term

Monthly Payment

$3,043

Principal & Interest: $3,043

Property taxes (est.): $788

Insurance (est.): $395

Estimated Total Monthly

$4,226

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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.

Cost to own

True monthly cost

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

Principal & interest20% down · 6.66% · 30yr$3,043

Property taxesest. at asking price, St. Johns County$788

HOAbilled annually$10

Estimated total, before insurance$3,842/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$6,621/yr · $552/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).

Cost to own

Taxes & assessment

Last sold: $560,000 in October 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$446,403	$239,569	—
2024	$441,753	$232,110	—
2023	$450,630	$223,893	—
2022	$360,838	$227,761	—
2021	$311,591	$219,671	—
2020	$307,812	$215,948	▼ $49,562

2025 property taxes (current owner): $6,621/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 — 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 D

Zone D evacuates after zones A, B, C in an approaching storm.

Roof: material not specified — year not disclosed (home built 2004)

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: ~1,797 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.

History