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This home is in Palencia, St. Augustine — a gated community home in St. Johns County.

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Active

Active·45 days on market·Palencia

560 Sebastian Square

St. Augustine, FL 32095

$1,370,000$367/sqftEst. $7,050/moMLS# 2152917

Beds

Baths

3,738

Sq Ft

2006

Built

Garage

Yes

Pool

About this home

Palencia

PRICE IMPROVEMENT! Step into a world of refined traditional elegance with this stunning custom-built pool home by Jerry Linder of The Vintage Group in the coveted community of Palencia. Spanning 3,738 square feet, this residence strikes the perfect balance between grand architectural scale and the warmth of a true home. From the moment you enter, the 14-foot ceilings and expansive open living area create an immediate sense of light and air. The heart of the home is anchored by a magnificent floor-to-ceiling stone fireplace, flanked by custom built-in bookshelves that are as functional as they are beautiful. The thoughtful layout is designed for modern living. The first floor features a sprawling primary suite that serves as a private retreat, along with three additional guest rooms or use 1 bedroom as dedicated home office up front of home. Upstairs, you'll find a versatile loft, a fifth bedroom, and a full bath, perfect for a secluded guest wing or a creative studio. A-RATED Schools

Cost to own

Mortgage calculator

Home Price

$1,370,000

Down Payment: 20%

$274,000

Interest Rate: 6.67%

Loan Term

Monthly Payment

$7,050

Principal & Interest: $7,050

Property taxes (est.): $1,823

Insurance (est.): $913

Estimated Total Monthly

$9,787

*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$7,050

Property taxesest. at asking price, St. Johns County$1,823

HOAbilled annually$10

Estimated total, before insurance$8,884/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$11,059/yr · $922/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	$887,575	$483,129	—
2024	$818,590	$468,806	—
2023	$784,873	$453,695	—
2022	$770,092	$439,024	—
2021	$544,196	$424,781	—
2020	$493,115	$418,226	—

2025 property taxes (current owner): $11,059/yr

Estimated taxes if purchased at asking price: ~$21,900/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 A — high-risk flood zone (Special Flood Hazard Area)

Lenders require flood insurance for financed purchases here.

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 2006)

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: ~1,748 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 5, 2026Price change$1,370,000−$25,000
Jul 23, 2026Price change$1,395,000−$55,000
Jul 10, 2026Price change$1,450,000−$50,000
Jun 29, 2026Listed$1,500,000

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

Features

Price$1,370,000

Price / Sq Ft$367

Bedrooms5

Bathrooms4.00

Full Baths4

Square Footage3,738

Total Structure Area5,127 sq ft

Acres0.47 acres

Year Built2006

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages3

Has PoolYes

Pool FeaturesIn Ground, Gas Heat, Salt Water

Is WaterfrontNo

Gated CommunityYes

School Information

ElementaryPalencia

MiddlePacetti Bay

HighAllen D. Nease

Community Information

Address560 Sebastian Square, St. Augustine, FL 32095

Area312-Palencia Area

SubdivisionPalencia

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32095

Lot Size20,473.2 sq ft

Lot Dimensions20473 SF

Parcel Number0720910430

ZoningResidential

Amenities

AmenitiesPool, Basketball Court, Children's Pool, Clubhouse, Dog Park, Fitness Center, Gated, Golf Course, Jogging Path, Maintenance Grounds, Maintenance Structure, Management - Developer, Management - Off Site, Park, Playground, Security, Tennis Court(s), Trash

UtilitiesCable Connected, Cable Not Available, Electricity Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Garage Door Opener

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Central Vacuum, Entrance Foyer, His and Hers Closets, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Vaulted Ceiling(s)

AppliancesDishwasher, Disposal, Dryer, Electric Water Heater, Gas Cooktop, Microwave, Refrigerator, Washer, Water Softener Owned

HeatingCentral

CoolingCentral Air, Zoned

FlooringCarpet, Wood

FireplaceYes

# of Fireplaces1

Fireplace FeaturesGas

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, Lower Level

Security24 Hour Security, Fire Alarm, Security Gate, Smoke Detector(s)