This home is in Cordova Palms, St. Augustine.

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Active·48 days on market·Cordova Palms

365 Barbosa Trail

St. Augustine, FL 32095

$399,990$242/sqftEst. $2,129/moMLS# 2147757

Beds

Baths

1,655

Sq Ft

2026

Built

Garage

Pool

About this home

Cordova Palms

Welcome to our St. Johns Community! Low CDD & HOA Fees. Amazing amenities, Clubhouse, Gym, Pool, Playground, Pickleball & Dog Park. Natural Gas Community! The Amherst w/ stone accents floorplan boasts 1655 SF. 9' ceilings, beach living! Lot 663. One story with 3 bedrooms, 2 bathrooms and 2 car garage with great natural lighting and a lovely preserve view! Home Includes, luxury laminate flooring in the main living areas, upgraded carpet in all the bedrooms, walk in tile shower in owner's bathroom with the glass shower door, oversized owners' closet, tile in all bathrooms, 42'' white kitchen cabinets, Cove crown molding, gas range w/double ovens & microwave, upgraded kitchen quartz countertop, & all bathrooms!

Cost to own

Mortgage calculator

Home Price

$399,990

Down Payment: 20%

$79,998

Interest Rate: 6.55%

Loan Term

Monthly Payment

$2,033

Principal & Interest: $2,033

Est. Taxes & Insurance: $508

Estimated Total Monthly

$2,541

*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$2,129

Property taxesest. at asking price, St. Johns County$532

HOAbilled monthly$70

Estimated total, before insurance$2,731/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.

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: material not specified — year not disclosed (home built 2026)

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

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