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 Cordova Palms, St. Augustine — a home near St. Augustine High School.

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Active

Active·54 days on market·Cordova Palms

39 Carbonell Place

St. Augustine, FL 32095

$365,000$195/sqftEst. $1,878/moMLS# 2151751

Beds

Baths

1,869

Sq Ft

2024

Built

Garage

Pool

About this home

Cordova Palms

PRICE IMPROVEMEMT!!! Looking for that effortless ''new home'' feel without the wait? This ''Ansley Model'' in Cordova Palms is move-in ready. From the moment you step inside, the bright, white kitchen sets a modern, airy tone that flows perfectly through the open living spaces. The current owners didn't miss a beat with the upgrades. You'll find stylish, high-end lighting throughout and decorative concrete coatings on the garage floor and both patios--elevating the outdoor space into a true extension of the home. It's a 3-bedroom, 2-bathroom layout that feels both spacious and functional,complete with a Ring doorbell for modern convenience and a two-car garage. Don't forget the soft water system. One of the best perks? All appliances and blinds stay with the home, making your transition seamless. Between the low HOA fees and the incredible community amenity center, this property offers a lifestyle that's hard to beat. Come see why this one feels like home the second you walk (more

Cost to own

Mortgage calculator

Home Price

$365,000

Down Payment: 20%

$73,000

Interest Rate: 6.67%

Loan Term

Monthly Payment

$1,878

Principal & Interest: $1,878

Property taxes (est.): $486

Insurance (est.): $243

Estimated Total Monthly

$2,607

*30-year loan at 6.67% APR (avg 30-yr rate 2026-08-13, 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 · 6.67% · 30yr$1,878

Property taxesest. at asking price, St. Johns County$486

HOAbilled annually$70

Estimated total, before insurance$2,434/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.

Cost to own

Taxes & assessment

Last sold: $2,288,800 in August 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$315,061	$243,660	—
2024	$75,000	$75,000	—

Estimated taxes if purchased at asking price: ~$5,800/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.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: Shingle — year not disclosed (home built 2024)

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

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 9, 2026Price change$365,000−$10,000
Jun 22, 2026Listed$375,000

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

Features

Price$365,000

Price / Sq Ft$195

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,869

Year Built2024

TypeResidential

Sub-TypeSingle Family Residence

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

School Information

ElementaryCrookshank

MiddleSebastian

HighSt. Augustine

Community Information

Address39 Carbonell Place, St. Augustine, FL 32095

Area307-World Golf Village Area-SE

SubdivisionCordova Palms

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32095

Parcel Number0725715040

ZoningResidential

Amenities

AmenitiesPool, Dog Park, Fitness Center, Park, Playground

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

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Garage Door Opener

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Eat-in Kitchen, Entrance Foyer, His and Hers Closets, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Smart Thermostat, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Dryer, Electric Oven, Gas Cooktop, Gas Range, Ice Maker, Microwave, Refrigerator, Tankless Water Heater, Washer, Water Softener Owned

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, In Unit, Washer Hookup