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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 San Salito, St. Augustine — a gated community home in St. Johns County.

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Active

Active·139 days on market·San Salito

332 Palace Drive

St. Augustine, FL 32084

$399,900$221/sqftEst. $2,198/mo mortgageMLS# 2149130
↓ $25,086 below original list
3
Beds
2
Baths
1,811
Sq Ft
2018
Built
2
Garage
No
Pool

8 more homes for sale in San Salito →Search San Salito on the map

FEMA Zone XHOA $292/mo5,663 sqft lotSingle Family Residence1 story

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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.

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Cost to own

True monthly cost

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

Principal & interest20% down · 7.32% · 30yr$2,198
Property taxesest. at asking price, St. Johns County$532
HOAbilled quarterly$292
Estimated total, before insurance$3,021/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,632/yr · $219/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

$399,900
$79,980
Loan Term
Monthly Payment
$2,198
Principal & Interest: $2,198
Property taxes (est.): $532
Insurance (est.): $267
Estimated Total Monthly
$2,996
*30-year loan at 7.32% APR (avg 30-yr rate 2026-10-22, 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 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.

Around this address

Nearby, from public data

The closest public beach, park, water access, league fields and grocery store from this home's location.

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.

Cost to own

Taxes & assessment

YearMarket valueTaxable valueChange
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: ~$6,400/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

  • Sep 1, 2026Price change$399,900−$20,086
  • Aug 21, 2026Price change$419,986−$5,000
  • Jun 5, 2026Listed$424,986

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 $210/sq ft; this home is listed at $221/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
480 Palace Drive, St. Augustine, FL 32084Listed by RE/MAX UNLIMITEDJun 2026$420,000$2362/21,782950.1
312 Pickett Drive, St. Augustine, FL 32084Listed by WATSON REALTY CORPJun 2026$402,000$2104/21,913210.1
72 Pickett Drive S, St. Augustine, FL 32084Listed by ALL REAL ESTATE OPTIONS INCOct 2026$393,500$1924/22,0461500.2
783 Pullman Circle, St. Augustine, FL 32084Listed by STA REALTYSep 2026$585,000$2494/32,346240.3
43 Cody Street, St. Augustine, FL 32084Listed by SOVEREIGN REAL ESTATE GROUPSep 2026$354,000$2084/21,7052820.3
75 Millet Way, St. Augustine, FL 32084Listed by OPENDOOR BROKERAGE, LLC.Jul 2026$350,000$1894/21,8561630.4

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$399,900
Price / Sq Ft$221
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

School Information

Zone sourceSt. Johns County School District attendance zones, current school year. Zones change; confirm with the district before you rely on one.
Reported byThe listing agent, in the MLS. Where it differs from the zone, the zone wins.

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
Community FeaturesGated
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

Exterior

Lot DescriptionSprinklers In Front, Sprinklers In Rear
Patio / PorchFront Porch, Rear Porch, Screened
FencingFull
RoofShingle
ConstructionFiber Cement

Additional Information

Date ListedJune 6, 2026
Days on Market135
HOA Fees$875 / Quarterly
HOA FrequencyQuarterly
HOA Fee IncludesMaintenance Grounds
Tax Amount$2,631.85
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityYes
New ConstructionNo

Listing Courtesy of: KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINE

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 San Salito

San Salito is a neighborhood in St. Augustine, FL (St. Johns County), ZIP 32084.

View all San Salito homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

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20+ years · 500+ closings · NE Florida

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