This home is in Sweetwater Creek, St. Augustine.
Active·1 day on market·Sweetwater Creek
442 Enrede Lane
St. Augustine, FL 32095
About this home
Sweetwater Creek
Welcome to this beautifully updated coastal retreat in the highly desirable Sweetwater Creek at Palencia! This versatile home features a true 3-bed, 3-bath layout, plus a flexible bonus room perfect as a non-conforming 4th bedroom or home office. Step inside to a spacious, light-filled open-concept living area designed for easy entertaining. The kitchen shines with brand-new cabinets, while the home's exterior boasts a fresh coat of paint for stunning curb appeal. Enjoy ultimate relaxation with a thoughtful split-floor plan that keeps the primary suite tucked away as a private sanctuary. Outside, a large backyard and breezy screened-in lanai offer the perfect outdoor escape. Living here grants you access to Palencia's world-class amenities, including resort pools, a fitness center, tennis, and scenic boardwalk trails. Located just minutes from the Tolomato River and pristine St. Augustine beaches, this turn-key gem offers the ultimate Florida lifestyle!
Cost to own
Mortgage calculator
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, 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): $11,632/yr
Estimated taxes if purchased at asking price: ~$10,400/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 D
Zone D evacuates after zones A, B, C in an approaching storm.
Roof: Shingle — year not disclosed (home built 2015)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,781 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 homeInformational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.
History
Price & status history
- Jul 17, 2026Listed$650,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
The neighborhood
About Sweetwater Creek
Sweetwater Creek is a neighborhood in Jacksonville, FL (St. Johns County), ZIP 32095.
View all Sweetwater Creek homes for sale →Listing Courtesy of: KELLER WILLIAMS FIRST COAST REALTY
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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