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 new construction home in St. Johns County.

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Active

Active·45 days on market·Cordova Palms

382 Barbosa Trail

St. Augustine, FL 32095

$437,990$192/sqftEst. $2,259/moMLS# 2151785

Beds

Baths

2,286

Sq Ft

2026

Built

Garage

Pool

About this home

Cordova Palms

Welcome to Cordova Palms at St Augustine. Low CDD & HOA Fees. Amazing amenities, Clubhouse, Gym, Pool, Playground, Pickle Ball, Dog Park and so much more. Lot 613. Start Packing.... The Emory II boasts, 2286 sf. a beautifully designed home featuring 4 bedrooms, 3 full bathrooms. As you enter, you'll find a versatile Dining/Study, ideal for work or family festive gatherings. The spacious living area flows seamlessly into the modern kitchen, creating an inviting atmosphere for entertaining! Home Includes, double gas range ovens, 42'' white kitchen cabinets w/cove molding, stainless steel double range ovens, w/microwave and vented to the exterior! Quartz kitchen countertop, the kitchen island is perfect for entertaining! Great owners' bathroom, w/a tiled walk-in shower with a glass shower door, oversized large closet!

Cost to own

Mortgage calculator

Home Price

$437,990

Down Payment: 20%

$87,598

Interest Rate: 6.69%

Loan Term

Monthly Payment

$2,259

Principal & Interest: $2,259

Property taxes (est.): $583

Insurance (est.): $292

Estimated Total Monthly

$3,134

*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$2,259

Property taxesest. at asking price, St. Johns County$583

HOAbilled monthly$70

Estimated total, before insurance$2,911/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.

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 C

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

Roof: material not specified — year not disclosed (home built 2026)

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