This home is in Palencia, St. Augustine.

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Active

Active·Listed today·Palencia

327 Costa Del Sol Drive

St. Augustine, FL 32095

$2,900,000$651/sqftEst. $14,740/moMLS# 2155494

Beds

Baths

4,455

Sq Ft

2016

Built

Garage

Yes

Pool

About this home

Palencia

Perfectly positioned on Costa Del Sol, one of Palencia's most coveted streets, this elegant Cottage Home offers sweeping, unobstructed Intracoastal Waterway views. Featuring 5 bedrooms, 4.5 baths, a private office, and two 2-car garages, one wired for an EV charger, this residence showcases exceptional craftsmanship with rich millwork, designer finishes, and abundant storage throughout. The chef's kitchen impresses with premium appliances, an expansive walk-in pantry, and a sophisticated wet bar designed for effortless entertaining. The owner's suite is a private retreat featuring a spa-inspired bath and custom closets. Outdoor living is exceptional with a screened heated pool and spa, summer kitchen, expansive covered lanai, fire pit, outdoor speakers, and additional yard space beyond the pool--all overlooking breathtaking Intracoastal views. A rare opportunity to own one of Palencia's premier waterfront residences.

Cost to own

Mortgage calculator

Home Price

$2,900,000

Down Payment: 20%

$580,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$14,740

Principal & Interest: $14,740

Property taxes (est.): $3,859

Insurance (est.): $1,933

Estimated Total Monthly

$20,533

*30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, 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 · 6.55% · 30yr$14,740

Property taxesest. at asking price, St. Johns County$3,859

HOAbilled annually$10

Estimated total, before insurance$18,610/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $19,097/yr

Estimated taxes if purchased at asking price: ~$46,300/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.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Zone AE — high-risk flood zone (Special Flood Hazard Area)

Lenders require flood insurance for financed purchases here.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Hurricane evacuation zone A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: material not specified — year not disclosed (home built 2016)

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

Solar potential: ~1,788 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 21, 2026Active$2,900,000
Jul 10, 2026Listed$2,900,000

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

Features

Price$2,900,000

Price / Sq Ft$651

Bedrooms5

Bathrooms4.50

Full Baths4

Half Baths1

Square Footage4,455

Acres0.95 acres

Year Built2016

TypeResidential

Sub-TypeSingle Family Residence

Property ConditionUpdated/Remodeled

StatusActive

# of Garages4

Has PoolYes

Pool FeaturesIn Ground, Heated, Screen Enclosure

Is WaterfrontYes

Direction FacesWest

School Information

ElementaryPalencia

MiddlePacetti Bay

HighAllen D. Nease

Community Information

Address327 Costa Del Sol Drive, St. Augustine, FL 32095

Area312-Palencia Area

SubdivisionPalencia

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32095

Lot Size41,382 sq ft

Parcel Number0724260210

ZoningResidential

Amenities

UtilitiesElectricity Connected, Water Connected

Water SourcePublic

ParkingElectric Vehicle Charging Station(s), Garage

Waterfront TypeIntracoastal, Marsh

Interior

AppliancesConvection Oven, Dishwasher, Dryer, Gas Cooktop, Ice Maker, Instant Hot Water, Microwave, Refrigerator, Tankless Water Heater, Water Softener Owned, Wine Cooler

HeatingCentral

CoolingCentral Air, Electric

# of Stories2

LevelsTwo