Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in Palencia, St. Augustine — a home near Allen D. Nease High School.

1 / 93

Active Under Contract

Active Under Contract·46 days on market·Palencia

828 Riley Lane

St. Augustine, FL 32095

$810,000$263/sqftEst. $4,177/moMLS# 2151484

Beds

Baths

3,083

Sq Ft

2004

Built

Garage

Pool

About this home

Palencia

Welcome to 828 Riley Lane, a beautifully maintained executive home located within the gates of Palencia, one of Northeast Florida's premier golf course communities. Tucked away on a premium preserve homesite surrounded by mature trees and lush tropical landscaping, this home offers exceptional privacy and a backyard setting that is increasingly difficult to find. Inside, soaring ceilings, rich wood flooring, formal living and dining rooms, and a dedicated home office create an elegant yet functional floor plan. The spacious kitchen features granite countertops, abundant cabinetry, a center island, breakfast bar seating, and seamless flow into the family room and outdoor entertaining spaces. The privately situated owner's retreat offers a peaceful escape with a spa-inspired bath featuring a soaking tub, walk-in shower, and generous closet space. Additional bedrooms provide flexibility for guests, family, hobbies, or work-from-home needs. The true showpiece is the backyard. An expansi

Cost to own

Mortgage calculator

Home Price

$810,000

Down Payment: 20%

$162,000

Interest Rate: 6.69%

Loan Term

Monthly Payment

$4,177

Principal & Interest: $4,177

Property taxes (est.): $1,078

Insurance (est.): $540

Estimated Total Monthly

$5,795

*30-year loan at 6.69% APR (avg 30-yr rate 2026-08-06, 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 · 6.69% · 30yr$4,177

Property taxesest. at asking price, St. Johns County$1,078

HOAbilled annually$10

Estimated total, before insurance$5,265/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$8,673/yr · $723/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	$617,086	$328,903	—
2024	$618,977	$318,926	—
2023	$616,377	$308,181	—
2022	$511,633	$297,749	—
2021	$392,313	$287,620	—
2020	$340,215	$282,959	—

2025 property taxes (current owner): $8,673/yr

Estimated taxes if purchased at asking price: ~$12,900/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 2004)

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: ~1,745 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

Aug 1, 2026Active Under Contract$810,000
Jun 26, 2026Listed$810,000

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

Features

Price$810,000

Price / Sq Ft$263

Bedrooms5

Bathrooms3.00

Full Baths3

Square Footage3,083

Acres0.37 acres

Year Built2004

TypeResidential

Sub-TypeSingle Family Residence

StyleMulti Generational

Property ConditionUpdated/Remodeled

StatusActive Under Contract

# of Garages3

Has PoolNo

Is WaterfrontNo

Gated CommunityYes

Direction FacesWest

School Information

ElementaryPalencia

MiddlePacetti Bay

HighAllen D. Nease

Community Information

Address828 Riley Lane, St. Augustine, FL 32095

Area312-Palencia Area

SubdivisionPalencia

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32095

Lot Size16,117.2 sq ft

Parcel Number0720830440

ZoningResidential

Amenities

AmenitiesPool, Basketball Court, Children's Pool, Clubhouse, Fitness Center, Gated, Jogging Path, Management - Full Time, Management - Off Site, Park, Pickleball, Playground, Security, Tennis Court(s)

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

SewerPublic Sewer

Water SourcePublic

ParkingAdditional Parking, Garage, Garage Door Opener

ViewProtected Preserve, Trees/Woods

Interior

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

AppliancesDishwasher, Disposal, Dryer, Gas Cooktop, Gas Oven, Tankless Water Heater

HeatingCentral, Heat Pump

CoolingCentral Air, Electric

FlooringCarpet, Laminate, Wood

FireplaceYes

# of Fireplaces1

Fireplace FeaturesGas

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Gas Dryer Hookup, In Unit, Washer Hookup

Security24 Hour Security, Gated with Guard, Smoke Detector(s)