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

547 Barbosa Trail

St. Augustine, FL 32095

$499,990$183/sqftEst. $2,578/moMLS# 2151786

Beds

Baths

2,728

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. The Mayport II on a wooded homesite is our newest advanced floor plan. Lot 646. Boast 2,728 sf. w/ 9' ceilings. 5 Bedrooms, 4 Bath, 2 car garage. The 5th bedroom is located on the second floor, great for a game room! The owner's suite showcases a tiled walk-in shower and glass door w/ a separate garden tub, raised vanities with upgraded quartz countertop & two large owner's closets. This magnificent home features a combo dining and family room, great for entertaining with an oversized family room glass slider, 42'' white kitchen cabinets go on forever...cove molding, quartz in kitchen, upgraded luxury laminate flooring in the main areas, upgraded carpet in all the bedrooms, tile in all bathrooms.The 2nd bedroom has its own full bathroom access, which is great for guests! Home Includes, a double gas range ovens, 42'' white kitchen cabinets

Cost to own

Mortgage calculator

Home Price

$499,990

Down Payment: 20%

$99,998

Interest Rate: 6.69%

Loan Term

Monthly Payment

$2,578

Principal & Interest: $2,578

Property taxes (est.): $665

Insurance (est.): $333

Estimated Total Monthly

$3,577

*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$2,578

Property taxesest. at asking price, St. Johns County$665

HOAbilled monthly$70

Estimated total, before insurance$3,314/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,312/yr · $359/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

2025 property taxes (current owner): $4,312/yr

Estimated taxes if purchased at asking price: ~$8,000/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, 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 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