This home is in Palencia, St. Augustine.

1 / 60

Pending

Pending·45 days on market·Palencia

305 Via Castilla 203

St. Augustine, FL 32095

$215,000$168/sqftEst. $1,096/moMLS# 2149995

Beds

Baths

1,278

Sq Ft

2005

Built

—

Garage

Pool

About this home

Palencia

Welcome to easy, maintenance-free living in the highly desirable gated community of Avila within Palencia. This beautifully updated 2-bedroom, 2-bath condominium offers the perfect blend of comfort, convenience, and resort-style amenities. Inside, you'll find fresh interior paint, luxury vinyl plank flooring, and a bright, open layout designed for everyday living and entertaining. The kitchen features 42-inch cabinetry, granite countertops, ample storage, and overlooks the spacious living and dining areas. A versatile flex space provides endless possibilities as a home office, reading nook, or formal dining room. The primary suite serves as a private retreat with dual vanities, a walk-in shower, and a generous walk-in closet. A spacious guest bedroom and adjacent full bath provide comfortable accommodations for family and visitors. For added convenience, the washer and dryer are located within the unit, and a reserved covered parking space is included. Living in Palencia (cont..)

Cost to own

Mortgage calculator

Home Price

$215,000

Down Payment: 20%

$43,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,096

Principal & Interest: $1,096

Property taxes (est.): $286

Insurance (est.): $143

Estimated Total Monthly

$1,526

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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 · 6.58% · 30yr$1,096

Property taxesest. at asking price, St. Johns County$286

HOAbilled quarterly$214

Estimated total, before insurance$1,596/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,468/yr · $456/mo

This bill runs well above the county-average estimate — usually the sign of a CDD or special assessment on this home. We confirm the exact line (and whether a bond was ever prepaid) before you offer.

• 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).

Cost to own

Taxes & assessment

Last sold: $265,000 in June 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$195,000	$195,000	—
2024	$205,000	$205,000	—
2023	$198,090	$198,090	—
2022	$149,000	$75,145	—
2021	$121,500	$71,500	—
2020	$117,500	$117,500	—

2025 property taxes (current owner): $5,468/yr

Estimated taxes if purchased at asking price: ~$3,400/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.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — year not disclosed (home built 2005)

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

Solar potential: ~1,811 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

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.

Features

Price$215,000

Price / Sq Ft$168

Bedrooms2

Bathrooms2.00

Full Baths2

Square Footage1,278

Year Built2005

TypeResidential

Sub-TypeCondominium

StyleTraditional

StatusPending

# of Carport Spaces1

Has PoolNo

Is WaterfrontNo

Gated CommunityYes

Community Information

Address305 Via Castilla 203, St. Augustine, FL 32095

Area312-Palencia Area

SubdivisionPalencia

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32095

Parcel Number0724211023

Amenities

AmenitiesPool, Children's Pool, Clubhouse, Fitness Center, Gated, Golf Course, Jogging Path, Maintenance Grounds, Pickleball, Sauna, Security, Spa/Hot Tub, Tennis Court(s)

UtilitiesCable Available, Electricity Available, Sewer Available, Water Available

SewerPublic Sewer

Water SourcePublic

ParkingAssigned, Covered, Parking Lot