This home is in Palencia, St. Augustine.

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Active

Active·45 days on market·Palencia

650 S Loop Parkway

St. Augustine, FL 32095

$629,990$221/sqftEst. $3,212/moMLS# 2150330

Beds

Baths

2,856

Sq Ft

2005

Built

Garage

Pool

About this home

Palencia

Live the Palencia lifestyle! This exceptional end-unit townhome is just steps from the Palencia Club, resort-style amenities, parks, shopping, and dining. Featuring 3 bedrooms, 3 full baths, a 3-car garage, plus a rare detached 1-bedroom guest suite above the garage, this move-in-ready home offers incredible flexibility for guests, multigenerational living, or a private office. The open floor plan showcases 10' ceilings, spacious living and dining areas, and a family room that flows into the gourmet kitchen with a gas cooktop, upgraded appliances, 42'' cabinets with crown molding, granite countertops, and abundant workspace. Upstairs, the primary suite features a private balcony, ensuite bath, and two additional bedrooms with a full bath. Enjoy the private paver courtyard with a gas fire pit. Quality construction includes a tile roof and premium finishes. Located in sought-after Palencia with world-class amenities and top-rated St. Johns County schools.

Cost to own

Mortgage calculator

Home Price

$629,990

Down Payment: 20%

$125,998

Interest Rate: 6.58%

Loan Term

Monthly Payment

$3,212

Principal & Interest: $3,212

Property taxes (est.): $838

Insurance (est.): $420

Estimated Total Monthly

$4,470

*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$3,212

Property taxesest. at asking price, St. Johns County$838

HOAbilled monthly$420

Estimated total, before insurance$4,470/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$11,069/yr · $922/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).

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$581,772	$581,772	—
2024	$525,161	$253,281	—
2023	$535,925	$244,448	—
2022	$423,381	$235,872	—
2021	$368,712	$227,546	—
2020	$363,892	$223,714	▼ $60,778

2025 property taxes (current owner): $11,069/yr

Estimated taxes if purchased at asking price: ~$10,100/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 D

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

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

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: ~1,777 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 12, 2026Listed$629,990

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

Features

Price$629,990

Price / Sq Ft$221

Bedrooms4

Bathrooms4.00

Full Baths4

Square Footage2,856

Acres0.11 acres

Year Built2005

TypeResidential

Sub-TypeSingle Family Residence

StylePatio Home, Spanish, Traditional

Property ConditionUpdated/Remodeled

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontNo

School Information

ElementaryPalencia

MiddlePacetti Bay

HighAllen D. Nease

Community Information

Address650 S Loop Parkway, St. Augustine, FL 32095

Area312-Palencia Area

SubdivisionPalencia

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32095

Lot Size4,791.6 sq ft

Parcel Number0720781130

Amenities

AmenitiesPool, Basketball Court, Children's Pool, Clubhouse, Fitness Center, Jogging Path, Playground, Tennis Court(s)

UtilitiesCable Available, Electricity Connected, Natural Gas Available, Sewer Connected, Water Available

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage

ViewTrees/Woods

Interior

Interior FeaturesBreakfast Bar, Butler Pantry, Ceiling Fan(s), Central Vacuum, Eat-in Kitchen, Entrance Foyer, Guest Suite, His and Hers Closets, In-Law Floorplan, Jack and Jill Bath, Kitchen Island, Open Floorplan, Pantry, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Gas Cooktop, Microwave, Refrigerator, Washer, Water Softener Owned

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringCarpet, Tile

# of Stories2

LevelsMulti/Split

LaundryElectric Dryer Hookup, Gas Dryer Hookup, Upper Level

SecurityFire Alarm