This home is in Palencia, St. Augustine.

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Active

Active·Listed today·Palencia

620 Palencia Club Drive 305

St. Augustine, FL 32095

$769,900Est. $3,913/moMLS# 2156438

Beds

Baths

Sq Ft

2006

Built

Garage

Pool

About this home

Palencia

Rare opportunity to own in the prestigious Promenade at Palencia condominium. This End-Unit Top Floor home overlooks Palencia Golf Course, Park and Recreation Center from its 3 balconies and private windows. Walk across the street after a day of golf or pickleball and relax on your balcony to watch the sunset. Or bring your coffee out on the main bedroom balcony and watch the sunrise. Walk across the park for dinner at The Palencia Club where you can enjoy full or social memberships. Strolling down Market Street is a great way to enjoy an evening. Bike to the generously outfitted Fitness Center. This 15-home building has elevator lobbies on each floor & access to under-building garage with 2 assigned parking spaces & extra-large private locked storage space. Palencia has 20 miles of biking & hiking trails, tennis, neighborhood parks, pickleball, fitness, shopping area, 2 recreation centers & intra-coastal boardwalk. Reserve your private showing and experience the Palencia difference.

Cost to own

Mortgage calculator

Home Price

$769,900

Down Payment: 20%

$153,980

Interest Rate: 6.55%

Loan Term

Monthly Payment

$3,913

Principal & Interest: $3,913

Property taxes (est.): $1,025

Insurance (est.): $513

Estimated Total Monthly

$5,451

*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$3,913

Property taxesest. at asking price, St. Johns County$1,024

HOAbilled monthly$1,100

Estimated total, before insurance$6,038/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

Year	Market value	Taxable value	Change
2025	$618,200	$434,908	—
2024	$634,260	$421,944	—
2023	$634,260	$408,198	—
2022	$484,000	$394,852	—
2021	$414,700	$414,700	—
2020	$436,700	$390,588	—

2025 property taxes (current owner): $9,218/yr

Estimated taxes if purchased at asking price: ~$12,300/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 (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 C

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

Roof: Concrete — year not disclosed (home built 2006)

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: ~1,809 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, 2026Listed$769,900

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

Features

Price$769,900

Bedrooms3

Bathrooms3.00

Full Baths3

Total Structure Area2,675 sq ft

Year Built2006

TypeResidential

Sub-TypeCondominium

StyleSpanish

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Direction FacesSouth

School Information

ElementaryPalencia

MiddlePacetti Bay

HighAllen D. Nease

Community Information

Address620 Palencia Club Drive 305, St. Augustine, FL 32095

Area312-Palencia Area

SubdivisionPalencia

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32095

Parcel Number0720701350

ZoningCondominium

Amenities

AmenitiesPool, Basketball Court, Children's Pool, Clubhouse, Elevator(s), Fitness Center, Golf Course, Jogging Path, Maintenance Grounds, Maintenance Structure, Management - Off Site, Park, Pickleball, Playground, Sauna, Security, Storage, Tennis Court(s)

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

SewerPublic Sewer

Water SourcePublic

ParkingCommunity Structure, Garage, Secured, Underground

ViewGolf Course, Lake, Other

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Entrance Foyer, Guest Suite, His and Hers Closets, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)

AppliancesConvection Oven, Dishwasher, Disposal, Dryer, Electric Cooktop, Electric Oven, Electric Water Heater, Microwave, Refrigerator

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringMarble, Tile, Wood

FireplaceYes

# of Fireplaces1

Fireplace FeaturesGas

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, In Unit, Sink, Washer Hookup

SecurityFire Alarm, Fire Sprinkler System, Firewall(s), Smoke Detector(s)