This home is in Palencia, St. Augustine — a gated community home in St. Johns County.
Active·90 days on market·Palencia
649 Treehouse Circle
St. Augustine, FL 32095
42 more homes for sale in Palencia →Search Palencia on the map
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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Palencia
Surrounded by majestic shade trees, 4,111 sq ft custom-built multi-family retreat in Treehouse Park features 5 BEDROOMS, 5 FULL BATHROOMS on a .42-acre lot with sweeping views of lake & preserve. PICTURE WINDOWS flood the home with natural light. First floor includes SITTING ROOM, EXPANSIVE FAMILY ROOM with BUILT-INS & FIREPLACE, DEDICATED STUDY, FORMAL DINING, CASUAL DINING with FRAMELESS BAY WINDOW, LARGE KITCHEN w/ UNDERCABINET LIGHTING, GAS COOKTOP, OVERSIZED REFRIGERATOR, STAINLESS STEEL HOOD, MICROWAVE, WALK-IN PANTRY & BUTLERS PANTRY; DOWNSTAIRS MAIN SUITE with vaulted ceiling, sitting area & DUAL WALK-IN CLOSETS. DOWNSTAIRS GUEST ROOM with private bath is perfect for extended family member. Upstairs BONUS ROOMS & bedrooms provide perfect hangout space. Act now - don't miss out. Roof 2018, water softener 9/26, HVAC 2022, Exterior paint 11/22, SCREEN ROOM WITH PANORAMIC VIEW 11/22. THE LOCATION IS PRICELESS & UNREPLACABLE.
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 C
Zone C evacuates after zones A, B in an approaching storm.
Roof: Shingle — 2018 per the listing
A recent roof is the single biggest lever on Florida homeowners-insurance pricing.
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 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.
Sun & Light
Southeast-facing backyard — winter sunrises, bright mornings
The listing reports the home facing northwest, which puts the backyard on the southeast side. Today at this address: sunrise 7:27 AM, sunset 6:56 PM.
- The rear takes strong morning-to-midday sun and eases off by late afternoon; in winter the sun rises almost straight into this exposure.
- A comfortable compromise lot: real pool sun without the western afternoon heat.
Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.
Cost to own
Taxes & assessment
2025 property taxes (current owner): $17,051/yr
Estimated taxes if purchased at asking price: ~$20,300/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.
History
Price & status history
- Oct 10, 2026Price change$1,274,000−$25,000
- Sep 3, 2026Price change$1,299,000−$50,000
- Jul 15, 2026Listed$1,349,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Closed sales
What sold nearby
Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $346/sq ft; this home is listed at $310/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 266 Sophia Terrace, St. Augustine, FL 32095Listed by FLORIDA HOMES REALTY & MTG LLC | Oct 2026 | $1,090,000 | $365 | 4/3 | 2,983 | 120 | 0.3 |
| 828 Riley Lane, St. Augustine, FL 32095Listed by INTERNATIONAL GOLF REALTY | Sep 2026 | $778,000 | $252 | 5/3 | 3,083 | 35 | 0.4 |
| 508 Sebastian Square, St. Augustine, FL 32095Listed by ROUND TABLE REALTY | Jul 2026 | $975,000 | $275 | 4/4 | 3,551 | 43 | 0.4 |
| 524 Sebastian Square, St. Augustine, FL 32095Listed by THE VIRTUAL REALTY GROUP | Jul 2026 | $814,000 | $282 | 4/3 | 2,885 | 37 | 0.4 |
| 161 N River Drive, St. Augustine, FL 32095Listed by EXP REALTY LLC | Oct 2026 | $1,275,000 | $346 | 4/4 | 3,681 | 114 | 0.5 |
| 101 Hickory Hill Drive, St. Augustine, FL 32095Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST | Aug 2026 | $2,025,000 | $416 | 4/4.5 | 4,865 | 4 | 0.6 |
Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: ROYAL HIGHLANDER REAL ESTATE CONSULTANTS, 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
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Krista Fracke
Broker Associate
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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines