This home is in Palencia, St. Augustine.

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Active

Active·13 days on market·Palencia

744 S Loop Parkway

St. Augustine, FL 32095

$255,000Est. $1,300/moMLS# 2155061

Beds

Baths

Sq Ft

—

Built

—

Garage

Pool

About this home

Palencia

Owner Financing Possible with 20% down. Tax records inaccurate due to current homestead with lot next door Lot to be separated on sale

Cost to own

Mortgage calculator

Home Price

$255,000

Down Payment: 20%

$51,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,300

Principal & Interest: $1,300

Property taxes (est.): $339

Insurance (est.): $170

Estimated Total Monthly

$1,810

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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 · 6.58% · 30yr$1,300

Property taxesest. at asking price, St. Johns County$339

HOAbilled annually$10

Estimated total, before insurance$1,650/mo

Seller’s 2026 tax billper the MLS — includes any CDD / assessments$1,978/yr · $165/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	$715,652	$433,468	—
2024	$662,413	$420,544	—
2023	$679,013	$406,839	—
2022	$544,333	$494,333	—
2021	$362,313	$309,937	—
2020	$373,481	$304,967	—

2026 property taxes (current owner): $1,978/yr

Estimated taxes if purchased at asking price: ~$4,100/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 D

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

Roof: material not specified

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

Solar potential: ~1,751 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 20, 2026Price change$255,000−$5,000
Jul 12, 2026Listed$260,000

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

Features

Price$255,000

Bedrooms0

Bathrooms0.00

Full Baths0

Acres0.33 acres

TypeLand

Sub-TypeUnimproved Land

StatusActive

Has PoolNo

Is WaterfrontNo

Gated CommunityYes

School Information

ElementaryPalencia

MiddlePacetti Bay

HighAllen D. Nease

Community Information

Address744 S Loop Parkway, St. Augustine, FL 32095

Area312-Palencia Area

SubdivisionPalencia

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32095

Lot Size14,374.8 sq ft

Lot Dimensions100 x 100

Parcel Number0720710040

ZoningResidential

Amenities

AmenitiesManagement - On Site, Pool, Children's Pool, Dog Park, Fitness Center, Park, Pickleball, Playground, Sauna, Security, Spa/Hot Tub, Tennis Court(s), Trash, Water

UtilitiesCable Available, Electricity Available, Natural Gas Available, Sewer Available, Water Available

SewerPublic Sewer

Water SourcePublic

ViewGolf Course