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This home is in Palencia, St. Augustine — a golf course home in St. Johns County.

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Active

Active·44 days on market·Palencia

443 Sebastian Square

St. Augustine, FL 32095

$959,000$207/sqftEst. $4,890/moMLS# 2151440

Beds

Baths

4,639

Sq Ft

2005

Built

Garage

Pool

About this home

Palencia

Welcome to Palencia, one of St. Augustine's most prestigious master-planned golf communities. This Toll Bros. built Grand Bay Model, located in the Sebastian Sq. section of Palencia, features 6 generously sized bedrooms, 4bathrooms, a second-floor game room plus additional bonus room, and storage galore. The well-planned kitchen has granite countertops, stainless steel appliances, and a center island opening to a large bright family room with a gas fireplace and built in bookshelves, and plantation shutters. The family room overlooks a spacious backyard with plenty of room for a pool. Upon entering you are greeted with 9 Ft. Tray ceilings, and beautiful moldings adorning the entry foyer, dining room and living room. The large primary bedroom features a bay window with seating area, his and hers closets and a door to the screened lanai. The .43-acre corner lot backs one of Palencia's many pocket parks ideal for extended family entertainment.

Cost to own

Mortgage calculator

Home Price

$959,000

Down Payment: 20%

$191,800

Interest Rate: 6.58%

Loan Term

Monthly Payment

$4,890

Principal & Interest: $4,890

Property taxes (est.): $1,276

Insurance (est.): $639

Estimated Total Monthly

$6,805

*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$4,890

Property taxesest. at asking price, St. Johns County$1,276

HOAbilled annually$10

Estimated total, before insurance$6,176/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$10,213/yr · $851/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	$815,651	$420,546	—
2024	$752,537	$407,986	—
2023	$728,966	$394,647	—
2022	$708,680	$381,696	—
2021	$491,064	$369,122	—
2020	$445,563	$363,335	—

2025 property taxes (current owner): $10,213/yr

Estimated taxes if purchased at asking price: ~$15,300/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.

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: Shingle — 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: ~1,782 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

Jul 23, 2026Price change$959,000−$40,000
Jun 19, 2026Listed$999,000

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

Features

Price$959,000

Price / Sq Ft$207

Bedrooms6

Bathrooms4.00

Full Baths4

Square Footage4,639

Acres0.43 acres

Year Built2005

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontNo

Gated CommunityYes

School Information

ElementaryPalencia

MiddlePacetti Bay

HighAllen D. Nease

Community Information

Address443 Sebastian Square, St. Augustine, FL 32095

Area312-Palencia Area

SubdivisionPalencia

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32095

Lot Size18,730.8 sq ft

Parcel Number0720910700

ZoningResidential

Amenities

AmenitiesBasketball Court, Children's Pool, Clubhouse, Fitness Center, Gated, Golf Course, Jogging Path, Maintenance Grounds, Park, Pickleball, Playground, Sauna, Tennis Court(s)

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

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Garage Door Opener

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Built-in Features, Ceiling Fan(s), Entrance Foyer, His and Hers Closets, Jack and Jill Bath, Kitchen Island, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Oven, Gas Cooktop, Microwave, Refrigerator, Tankless Water Heater, Washer

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile

FireplaceYes

# of Fireplaces1

Fireplace FeaturesGas

# of Stories2

LevelsTwo

SecuritySecurity Gate, Smoke Detector(s)