This home is in Palencia, St. Augustine.

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Active Under Contract

Active Under Contract·49 days on market·Palencia

614 S Loop Parkway

St. Augustine, FL 32095

$592,000$261/sqftEst. $3,151/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 and 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: 6.55%

Loan Term

Monthly Payment

$3,009

Principal & Interest: $3,009

Est. Taxes & Insurance: $752

Estimated Total Monthly

$3,761

*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$3,151

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

HOAbilled annually$10

Estimated total, before insurance$3,949/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: $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

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