This home is in St. Augustine.

Active

Active·Listed today

249 Palace Drive

St. Augustine, FL 32084

$399,000$249/sqftEst. $2,028/moMLS# 2152172

Beds

Baths

1,604

Sq Ft

2018

Built

Garage

Pool

About this home

St. Augustine

**Looking for newer single-story living in St. Augustine with comfort, flexibility, and a prime location? 249 Palace Dr delivers.** Built in 2018 and located in **Freedom at San Salito**, this beautifully designed single-story home offers **3 bedrooms, 2 full baths, and 1,604 square feet** of easy, functional living space. The open layout keeps everyday life simple, with no stairs and a natural flow between the main living areas. The bedroom setup gives you room for guests, a home office, hobbies, fitness, or the extra space everyone says they'll keep perfectly organized. We all have dreams. Out back, the screened lanai and open patio are ready for quiet Florida mornings, golden evenings, weekend grilling, or simply enjoying the slower pace that makes this community so appealing. Set within the **active-adult lifestyle section of Freedom at San Salito**, this home offers a peaceful St. Augustine setting without sacrificing convenience. You're located in **Flood Zone X** and

Cost to own

Mortgage calculator

Home Price

$399,000

Down Payment: 20%

$79,800

Interest Rate: 6.55%

Loan Term

Monthly Payment

$2,028

Principal & Interest: $2,028

Property taxes (est.): $531

Insurance (est.): $266

Estimated Total Monthly

$2,825

*30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, 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 · 6.55% · 30yr$2,028

Property taxesest. at asking price, St. Johns County$531

HOAbilled quarterly$222

Estimated total, before insurance$2,781/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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: $415,000 in March 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$342,914	$141,349	—
2024	$349,484	$136,517	—
2023	$338,167	$338,167	—
2022	$304,555	$177,404	—
2021	$223,566	$170,766	—
2020	$218,211	$167,711	—

2025 property taxes (current owner): $2,407/yr

Estimated taxes if purchased at asking price: ~$6,400/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 C

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

Roof: material not specified — year not disclosed (home built 2018)

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

Solar potential: ~1,806 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 21, 2026Active$399,000

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

Features

Price$399,000

Price / Sq Ft$249

Bedrooms4

Bathrooms2.00

Full Baths2

Square Footage1,604

Acres0.13 acres

Year Built2018

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontYes

Gated CommunityYes

55+ CommunityYes

Direction FacesEast

Community Information

Address249 Palace Drive, St. Augustine, FL 32084

Area307-World Golf Village Area-SE

SubdivisionNorthridge

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32084

Lot Size5,662.8 sq ft

Parcel Number0733240850

Amenities

AmenitiesPool, Clubhouse, Fitness Center, Gated

UtilitiesElectricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage

ViewPond

Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Eat-in Kitchen, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)

AppliancesConvection Oven, Dishwasher, Disposal, Double Oven, Dryer, Electric Cooktop, Electric Oven, Electric Water Heater, Ice Maker, Microwave, Refrigerator, Washer, Water Softener Owned

HeatingCentral

CoolingCentral Air

FlooringCarpet

# of Stories1

LevelsOne

LaundryIn Unit

SecuritySecurity Gate