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

401 Barbosa Trail

St. Augustine, FL 32095

$409,990$220/sqftEst. $2,106/moMLS# 2154356

Beds

Baths

1,864

Sq Ft

2026

Built

Garage

Pool

About this home

Cordova Palms

Welcome to Cordova Palms Community in St Johns County! Low CDD & HOA Fees. Amazing amenities, Clubhouse, Gym, Pool, Playground, Pickle Ball, Dog Park. Lot 659 on a wooded preserve homesite. Natural Gas Community! The Charming Award Winning beautifully designed Ansley floor plan. The inviting layout features a spacious living area w 9' ceilings throughout, filled w/natural light, perfect for entertaining! The 3 Bedroom w/2 baths, 3 car garage, 1864 sf. W/ stone accents. The well-appointed kitchen seamlessly flows into the dining area, making family gatherings a breeze. The oversized owner's bathroom suite & tile walk in shower with glass shower door, (2) spacious master suite closet with dual quartz vanity sinks. Also boasts raised vanities in all baths including quartz countertops, Includes 42'' white kitchen cabinets, Quartz countertops, double gas range oven w/microwave, luxury laminate flooring in all main area, window blinds, tankless water heater, recess lights in kitchen and

Cost to own

Mortgage calculator

Home Price

$409,990

Down Payment: 20%

$81,998

Interest Rate: 6.65%

Loan Term

Monthly Payment

$2,106

Principal & Interest: $2,106

Property taxes (est.): $546

Insurance (est.): $273

Estimated Total Monthly

$2,925

*30-year loan at 6.65% APR (avg 30-yr rate 2026-08-20, 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 · 6.65% · 30yr$2,106

Property taxesest. at asking price, St. Johns County$546

HOAbilled monthly$70

Estimated total, before insurance$2,721/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