This home is in Palencia, St. Augustine.

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Active Under Contract

Active Under Contract·38 days on market·Palencia

400 La Travesia Flora 101

St. Augustine, FL 32095

$247,000$179/sqftEst. $1,315/moMLS# 2148536

Beds

Baths

1,383

Sq Ft

2005

Built

—

Garage

Pool

About this home

Palencia

Located in Avila inside the gorgeous community of Palencia, enjoy gorgeous views of the park-like setting from this ground floor, end unit 3 bedroom condo! This scenery is rare in a condo setting and is sure to impress! Avila residents enjoy their own private pool and clubhouse within the gate, plus full access to Palencia's resort-style amenities -- fitness center, tennis courts, scenic nature trails, and an on-site golf course with a full social calendar to match. Step outside the community and everything Northeast Florida has to offer is at your doorstep. Explore the art shows, live music, one-of-a-kind boutiques, and award-winning restaurants of historic downtown St. Augustine -- just 15 minutes away. Sun and sand are an easy 20-minute drive to the Atlantic, and Jacksonville International Airport is just 30 minutes north for stress-free travel.

Cost to own

Mortgage calculator

Home Price

$247,000

Down Payment: 20%

$49,400

Interest Rate: 6.55%

Loan Term

Monthly Payment

$1,255

Principal & Interest: $1,255

Est. Taxes & Insurance: $314

Estimated Total Monthly

$1,569

*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$1,315

Property taxesest. at asking price, St. Johns County$329

HOAbilled quarterly$218

Estimated total, before insurance$1,861/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: $252,000 in March 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$215,000	$215,000	—
2024	$225,990	$225,990	—
2023	$225,990	$225,990	—
2022	$173,000	$131,831	—
2021	$139,000	$119,846	—
2020	$134,500	$108,951	—

2025 property taxes (current owner): $5,907/yr

Estimated taxes if purchased at asking price: ~$3,900/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.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: material not specified — year not disclosed (home built 2005)

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

Sewer · FL0021938 - City of Saint Augustine WWTP - customer accounts

County records show this parcel on central sewer served by FL0021938 - City of Saint Augustine WWTP - customer accounts — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,806 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