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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in Palencia, St. Augustine — a gated community home in St. Johns County.

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Sold

Sold·Closed Jul 16, 2026·7 days on market·Recent sales in Palencia·Palencia

286 Vale Drive

St. Augustine, FL 32095

$1,457,500sold priceListed at $1,495,000 · 97.5% of asking$385/sqftMLS# 2148803
5
Beds
4.5
Baths
3,781
Sq Ft
2007
Built
3
Garage
Yes
Pool

43 more homes for sale in Palencia →Search Palencia on the map

FEMA Zone XHOA $10/mo16,117 sqft lotSingle Family Residence2 stories

About this home

Palencia

Tucked behind lush landscaping and designed for both privacy and connection, this exceptional John Kenny Custom Home offers a living experience unlike any other. From the moment you arrive, you're welcomed into a stunning courtyard centered around a sparkling pool--the heart of the home. The main residence is thoughtfully positioned on one side, while a private ''Casita'' sits on the other, creating a retreat-style setting ideal for guests, extended family, a home office, or multigenerational living. A whole-house Generac generator delivers reliable backup power, allowing you to enjoy your home year-round without interruption. Offered for the very first time by its original owners, this meticulously maintained property features a total of 5 bedrooms, 4.5 bathrooms, and a 3 car garage. The main home includes a first-floor bedroom and full bath, with two additional bedrooms and two baths upstairs.

Cost to own

True monthly cost

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

Principal & interest20% down · 7.4% · 30yr$8,073
Property taxesest. at asking price, St. Johns County$1,939
HOAbilled annually$10
Estimated total, before insurance$10,023/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$11,473/yr · $956/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$1,457,500
$291,500
Loan Term
Monthly Payment
$8,073
Principal & Interest: $8,073
Property taxes (est.): $1,939
Insurance (est.): $972
Estimated Total Monthly
$10,984
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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.

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: Shingle — year not disclosed (home built 2007)

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: ~1,785 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.

Cost to own

Taxes & assessment

YearMarket valueTaxable valueChange
2025$1,079,602$486,194—
2024$1,041,658$471,784—
2023$908,098$456,586—
2022$964,990$441,831—
2021$579,547$427,506—
2020$563,199$420,913—

2025 property taxes (current owner): $11,473/yr

Estimated taxes if purchased at asking price: ~$23,300/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.

History

Price & status history

  • Jul 16, 2026Closed$1,495,000
  • Jun 4, 2026Listed$1,495,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Closed sales

What sold nearby

Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $274/sq ft; this home is listed at $395/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
341 Vale Drive, St. Augustine, FL 32095Listed by REALTY ONE GROUP ELEVATEAug 2026$1,143,750$3414/3.53,356580.2
612 Glorieta Drive, St. Augustine, FL 32095Listed by MEMORY HOPKINS REAL ESTATEAug 2026$790,000$2744/42,882690.3
122 Senora Court, St. Augustine, FL 32095Listed by EXP REALTY LLCAug 2026$1,576,500$4144/4.53,81130.3
3024 Las Calinas Boulevard, St. Augustine, FL 32095Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTYJul 2026$705,000$2664/32,647540.3
84 San Telmo Court, St. Augustine, FL 32095Listed by COLDWELL BANKER VANGUARD REALTYJul 2026$665,000$1975/43,3812650.4
2869 Las Calinas Boulevard, St. Augustine, FL 32095Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COASTJul 2026$575,000$2104/3.52,743990.4

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

Features

Price$1,495,000
Price / Sq Ft$395
Bedrooms5
Bathrooms4.50
Full Baths4
Half Baths1
Square Footage3,781
Acres0.37 acres
Year Built2007
TypeResidential
Sub-TypeSingle Family Residence
StyleMulti Generational
StatusClosed
# of Garages3
Has PoolYes
Pool FeaturesIn Ground, Heated, Pool Sweep, Screen Enclosure, Waterfall
Is WaterfrontNo
Gated CommunityYes

School Information

Community Information

Address286 Vale Drive, St. Augustine, FL 32095
Area312-Palencia Area
SubdivisionPalencia
CitySt. Augustine
CountySt. Johns
StateFL
Zip Code32095
Lot Size16,117.2 sq ft
Parcel Number0720940170
ZoningResidential

Amenities

AmenitiesPool, Children's Pool, Dog Park, Fitness Center, Management - Off Site, Park, Pickleball, Playground, Spa/Hot Tub, Tennis Court(s), Trash
Community FeaturesSidewalks, Suburban, Street Lights, Restaurant, Gated, Curbs
UtilitiesCable Available, Electricity Available, Electricity Connected, Natural Gas Available, Sewer Connected, Water Available, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingGarage, Garage Door Opener
ViewPool, Protected Preserve

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Built-in Features, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Guest Suite, His and Hers Closets, In-Law Floorplan, Jack and Jill Bath, Kitchen Island, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Smart Thermostat, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s), Wet Bar
AppliancesConvection Oven, Dishwasher, Disposal, Dryer, Gas Cooktop, Gas Oven, Gas Water Heater, Microwave, Refrigerator, Washer
HeatingCentral, Heat Pump
CoolingCentral Air, Multi Units, Zoned
FlooringCarpet, Tile, Wood
FireplaceYes
# of Fireplaces1
Fireplace FeaturesGas
# of Stories2
LevelsTwo
LaundryIn Unit, Lower Level
Security24 Hour Security, Security Gate, Smoke Detector(s)

Exterior

Exterior FeaturesCourtyard
Lot DescriptionMany Trees, Sprinklers In Front, Sprinklers In Rear
Patio / PorchFront Porch, Patio, Porch, Side Porch
RoofShingle
ConstructionFrame
Other StructuresGuest House
Road SurfacePaved
Road FrontageCounty Road

Additional Information

Date ListedJune 4, 2026
Days on Market7
HOA Fees$125 / Annually
HOA FrequencyAnnually
HOA Fee IncludesMaintenance Structure, Security, Sewer, Trash, Water
Tax Amount$11,473.19
Tax Year2025
Listing TermsCash, Conventional
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: COMPASS FLORIDA LLC

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

The neighborhood

About Palencia

Palencia is a neighborhood in St. Johns County, FL (St. Johns County), ZIP 32095.

View all Palencia homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Jul 16, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.

Text Krista about this saleHomes for sale nearby →

20+ years · 500+ closings · NE Florida

Curious what nearby homes sold for?

MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

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