This home is in Palencia, St. Augustine — a home near Allen D. Nease High School.
Active·91 days on market·Palencia
634 Market Street
St. Augustine, FL 32095
42 more homes for sale in Palencia →Search Palencia on the map
See it this week
Want to walk through this home this week?
Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.
Call (904) 709-7917 Text Krista
Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Palencia
Located in Crosswinds at Palencia on Market Street, this Work/ Live and Townhome is the perfect combination of living and investment. The first floor is commercial office space and an above garage studio apartment, this tri-level home is perfect for a homeowner that wants to have their business office downstairs, or an on-site investment opportunity. The second story is a living space with a modern bright kitchen, granite countertops and an oversized great room. On the third floor are two luxury ensuite bedrooms with multiple walk in closets, both with walk in showers and an adjacent laundry room. Over the two car garage across the courtyard is a separate studio apartment, perfect as a rental investment or an amazing guest suite. Clubhouse, golf, tennis, pool, fitness center and shops all within walking distance. 2 of 3 Units Rented. Also listed as Residential Income at MLS #2154955
Next steps in Palencia
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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).
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
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 D
Zone D evacuates after zones A, B, C in an approaching storm.
Roof: Tile — year not disclosed (home built 2014)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,824 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 homeAs 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.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $655,566 | $618,941 | — |
| 2024 | $666,493 | $562,674 | — |
| 2023 | $671,548 | $511,522 | — |
| 2022 | $465,020 | $465,020 | — |
| 2021 | $330,429 | $330,429 | — |
| 2020 | $332,643 | $332,643 | — |
2025 property taxes (current owner): $10,405/yr
Estimated taxes if purchased at asking price: ~$12,600/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.
History
Price & status history
- Oct 7, 2026Price change$787,000−$10,000
- Jul 11, 2026Listed$797,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: EXP REALTY LLC
Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.
The neighborhood
About Palencia
Palencia is a neighborhood in St. Johns County, FL (St. Johns County), ZIP 32095.
View all Palencia homes for sale →Keep looking
More homes in Palencia
For Sale620 Palencia Club Drive 305St. Augustine, FL 32095
3 bd · 3 ba
$769,900Est. $4,098/moRare opportunity to own in the prestigious Promenade at Palencia condominium. This End-Unit Top Floor home overlooks…
Listing Office: royal highlander real estate consultants, llc.
For Sale100 Onda LaneSt. Augustine, FL 32095
5 bd · 3 ba · 2,660 sq ft
$745,000Est. $3,965/moDon't miss the 3D virtual tour--this exceptional home truly has it all! Welcome to this stunning 5-bedroom, 3-bath…
Listing Office: first coast realty of jacksonville inc
For Sale549 Sebastian SquareSt. Augustine, FL 32095
4 bd · 3 ba · 2,606 sq ft
$729,000Est. $3,880/moWelcome to this elegant and well-maintained Toll Bros home in the Sebastian Sq section of amenity rich Palencia. Upon…
Listing Office: christie's international real estate first coast
For Sale198 Parkside DriveSt. Augustine, FL 32095
5 bd · 4 ba · 2,965 sq ft
$849,000Est. $4,519/moPresenting 198 Parkside Drive in Palencia, built and designed by Richard R. Dostie, this Craftsman style home has over…
Listing Office: one sotheby's international realty
Keep looking
Similar homes in St. Augustine
Explore the area
More in Palencia
Palencia guides & reports
Your Local Realtor
Krista Fracke
Broker Associate
Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.
Text Krista about this home20+ years · 500+ closings · NE Florida
Curious what nearby homes sold for?
MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines