This home is in San Salito, St. Augustine.

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Active

Active·45 days on market·San Salito

332 Palace Drive

St. Augustine, FL 32084

$424,986$235/sqftEst. $2,160/moMLS# 2149130

Beds

Baths

1,811

Sq Ft

2018

Built

Garage

Pool

About this home

San Salito

There comes a moment when you realize that life is too short to spend it on lawn maintenance. Maybe you've been in the same home for decades. The one that made perfect sense when the kids were young, when the holidays filled every room, when the to-do list felt like purpose. This is something different. Imagine waking up on a quiet morning, coffee in hand, stepping out onto your screened lanai while the trees behind you hold their stillness. No noise. No rush. This is St. Augustine. One of America's most beautiful cities & you are living right in the heart of it. Dining, boutique shopping, & the timeless charm of the oldest city in the nation are just minutes from your front door. Yet somehow, inside your gated community, it feels a world away from all of it. Think of the freedom that comes when someone else handles the outside so you never have to think about it again. The amenities, within your community & in San Salito offer an extraordinary lifestyle from the moment you arrive.

Cost to own

Mortgage calculator

Home Price

$424,986

Down Payment: 20%

$84,997

Interest Rate: 6.55%

Loan Term

Monthly Payment

$2,160

Principal & Interest: $2,160

Property taxes (est.): $566

Insurance (est.): $283

Estimated Total Monthly

$3,009

*30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, 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 · 6.55% · 30yr$2,160

Property taxesest. at asking price, St. Johns County$566

HOAbilled quarterly$292

Estimated total, before insurance$3,017/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

Year	Market value	Taxable value	Change
2025	$357,784	$157,966	—
2024	$364,450	$152,807	—
2023	$356,286	$146,900	—
2022	$321,239	$141,165	—
2021	$236,110	$135,597	—
2020	$230,354	$133,035	—

2025 property taxes (current owner): $2,632/yr

Estimated taxes if purchased at asking price: ~$6,800/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 C

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

Roof: Shingle — year not disclosed (home built 2018)

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

Solar potential: ~1,743 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

Price & status history

Jun 5, 2026Listed$424,986

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

Features

Price$424,986

Price / Sq Ft$235

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,811

Acres0.13 acres

Year Built2018

TypeResidential

Sub-TypeSingle Family Residence

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Gated CommunityYes

55+ CommunityYes

Community Information

Address332 Palace Drive, St. Augustine, FL 32084

Area307-World Golf Village Area-SE

SubdivisionSan Salito

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32084

Lot Size5,662.8 sq ft

Parcel Number0733240290

Amenities

AmenitiesPool, Fitness Center, Gated, Playground

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

Water SourcePublic

ParkingAttached, Garage

ViewTrees/Woods

Interior

Interior FeaturesCeiling Fan(s), Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Range, Microwave, Refrigerator, Washer

HeatingCentral

CoolingCentral Air

FlooringCarpet

# of Stories1

LevelsOne