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 gated community home in St. Johns County.

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Active

Active·44 days on market·Palencia

649 Treehouse Circle

St. Augustine, FL 32095

$1,349,000$328/sqftEst. $6,935/moMLS# 2155403

Beds

Baths

4,111

Sq Ft

2005

Built

Garage

Pool

About this home

Palencia

Located 5 miles north of historic St Augustine & 30 min South of Jacksonville. The grand community of Palencia - a 2200-acre master-planned community with golf club, tennis, pickle ball, gym, 3 community pools, 20+ miles biking & hiking trails, market area, community boardwalk to intracoastal & numerous active & passive use parks. Surrounded by majestic shade trees, 4,111 sq ft custom-built multi-family retreat in Treehouse Park features 5 bedrooms, 5 baths on a .42-acre lot with sweeping views of lake & preserve. Picture windows flood the home with natural light. First floor includes formal living, expansive family room, dedicated study, formal dining, breakfast nook with frameless bay window, large kitchen with walk-in pantry & butler's pantry. Main suite with vaulted ceiling, sitting area & dual walk-in closets. Downstairs guest bedroom with private bath is perfect for extended family member. Upstairs bonus room & bedrooms provide perfect hangout space. Act now - don't miss out.

Cost to own

Mortgage calculator

Home Price

$1,349,000

Down Payment: 20%

$269,800

Interest Rate: 6.66%

Loan Term

Monthly Payment

$6,935

Principal & Interest: $6,935

Property taxes (est.): $1,795

Insurance (est.): $899

Estimated Total Monthly

$9,630

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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 · 6.66% · 30yr$6,935

Property taxesest. at asking price, St. Johns County$1,795

HOAbilled annually$11

Estimated total, before insurance$8,742/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$17,051/yr · $1,421/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

2025 property taxes (current owner): $17,051/yr

Estimated taxes if purchased at asking price: ~$21,500/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, 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 C

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

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

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: ~1,775 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 15, 2026Listed$1,349,000

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

Features

Price$1,349,000

Price / Sq Ft$328

Bedrooms5

Bathrooms5.00

Full Baths5

Square Footage4,111

Total Structure Area5,653 sq ft

Acres0.42 acres

Year Built2005

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontYes

Gated CommunityYes

Direction FacesNorthwest

School Information

ElementaryPalencia

MiddlePacetti Bay

HighAllen D. Nease

Community Information

Address649 Treehouse Circle, St. Augustine, FL 32095

Area312-Palencia Area

SubdivisionPalencia

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32095

Lot Size18,295.2 sq ft

Lot Dimensions90X217X94X189

Parcel Number0720840140

Amenities

AmenitiesPool, Other, Basketball Court, Children's Pool, Clubhouse, Fitness Center, Gated, Jogging Path, Park, Pickleball, Playground, Spa/Hot Tub, Tennis Court(s)

UtilitiesCable Connected, Electricity Connected, Natural Gas Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

ViewLake, Protected Preserve, Trees/Woods, Water

Waterfront TypeLake Front

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Built-in Features, Butler Pantry, Ceiling Fan(s), Central Vacuum, Entrance Foyer, Guest Suite, His and Hers Closets, In-Law Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Freezer, Gas Oven, Gas Range, Gas Water Heater, Microwave, Refrigerator, Washer, Water Softener Owned, Wine Cooler

HeatingElectric, Heat Pump, Zoned

CoolingCentral Air, Electric, Multi Units, Zoned

FlooringCarpet, Tile, Wood

FireplaceYes

# of Fireplaces1

Fireplace FeaturesGas

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, Gas Dryer Hookup, In Unit, Lower Level, Sink, Washer Hookup

SecuritySecurity System Owned, Smoke Detector(s)