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 Palencia, St. Augustine — a home near Allen D. Nease High School.

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Pending

Pending·47 days on market·Palencia

315 Via Castilla 204

St. Augustine, FL 32095

$215,000$155/sqftEst. $1,104/moMLS# 2154819

Beds

Baths

1,383

Sq Ft

2005

Built

—

Garage

Pool

About this home

Palencia

Welcome to easy, low-maintenance living in this beautifully updated second-floor end-unit condo within a gated Palencia-area community. A private staircase leads to a bright interior featuring a desirable split-bedroom floor plan, LVP flooring, generous storage, and a screened lanai perfect for relaxing. Additional highlights include reserved covered parking and an HVAC system replaced in 2022. Enjoy convenient access to shopping, dining, I-95, historic downtown St. Augustine, and area beaches. The association fee includes water, sewer, trash, pest control, exterior and grounds maintenance, plus access to Palencia amenities such as three pools, athletic fields, tennis courts, a fitness center, pocket parks, boardwalks, and fitness trails. Optional Palencia Club social and golf memberships may also be available.Buyer to verify membership availability, fees, restrictions, condo documents, and all information.

Cost to own

Mortgage calculator

Home Price

$215,000

Down Payment: 20%

$43,000

Interest Rate: 6.65%

Loan Term

Monthly Payment

$1,104

Principal & Interest: $1,104

Property taxes (est.): $286

Insurance (est.): $143

Estimated Total Monthly

$1,534

*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$1,104

Property taxesest. at asking price, St. Johns County$286

HOAbilled quarterly$222

Estimated total, before insurance$1,612/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,908/yr · $242/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	$215,000	$215,000	—
2024	$225,990	$209,330	—
2023	$225,990	$190,300	—
2022	$173,000	$173,000	—
2021	$139,000	$0	—
2020	$134,500	$0	—

2025 property taxes (current owner): $2,908/yr

Estimated taxes if purchased at asking price: ~$3,400/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.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: Tile — year not disclosed (home built 2005)

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

Sewer & public water · St Johns County Utilities

County records show this parcel on central sewer served by St Johns County Utilities — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,813 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 22, 2026Pending$215,000
Jul 10, 2026Listed$215,000

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

Features

Price$215,000

Price / Sq Ft$155

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,383

Year Built2005

TypeResidential

Sub-TypeCondominium

StyleOther

StatusPending

Has PoolNo

Is WaterfrontNo

Gated CommunityYes

Direction FacesSoutheast

School Information

ElementaryPalencia

MiddlePacetti Bay

HighAllen D. Nease

Community Information

Address315 Via Castilla 204, St. Augustine, FL 32095

Area312-Palencia Area

SubdivisionPalencia

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32095

Parcel Number0724211224

ZoningResidential

Amenities

AmenitiesPool, Barbecue, Basketball Court, Clubhouse, Dog Park, Fitness Center, Gated, Golf Course, Jogging Path, Maintenance Grounds, Park, Pickleball, Playground, Spa/Hot Tub, Tennis Court(s), Trash, Water

UtilitiesElectricity Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAssigned, Covered, Guest