This home is in Paloma, St. Augustine — a home near St. Augustine High School.
Active·93 days on market·Paloma
105 Merlot Way
St. Augustine, FL 32084
4 more homes for sale in Paloma →Search Paloma 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
Paloma
Beautifully updated and designed for low-maintenance living, this spacious end-unit townhome offers 1,536 square feet of bright and inviting space in a remarkably convenient St. Augustine location. The thoughtfully designed floor plan includes 3 bedrooms, 2.5 baths, and an attached one-car garage, with additional windows filling the home with natural light. Recent improvements provide added comfort and peace of mind, including a new roof in 2025, upgraded bathrooms, updated appliances, and new flooring throughout. Enjoy the ease of community amenities, including a pool and playground, without the demands of extensive upkeep. Ideally located just minutes from I-95, shopping, restaurants, historic downtown St. Augustine, and the beaches, this move-in-ready home offers the perfect balance of comfort, convenience, and the relaxed St. Augustine lifestyle.
Next steps in Paloma
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.
Outside all hurricane evacuation zones
This location is not in a designated storm-surge evacuation zone.
Roof: Shingle — 2025 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: ~1,746 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.
Around this address
Nearby, from public data
The closest public beach, park, water access, league fields and grocery store from this home's location.
Closest beach parking
Mussallem Beachfront Park23 min drive · 48 parking spaces
Closest park or preserve
Twelve Mile Swamp Conservation Area7 min drive · 2.2 mi of trails
Closest public boat ramp
Vilano Public Boat Rampabout 6 mi · Tolomato River / St. Augustine Inlet
Closest kayak & paddleboard launch
San Sebastian River at Highway 16 Roadside Primitive Accessabout 5 mi · San Sebastian River
Closest youth league fields
Collier-Blocker-Puryear Park12 min drive · Basketball, Football, Lacrosse
Closest grocery store
Publix8 min drive · 2875 State Rd 16, Saint Augustine
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.
Cost to own
Taxes & assessment
2025 property taxes (current owner): $3,131/yr
Estimated taxes if purchased at asking price: ~$4,600/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 5, 2026Price change$289,000−$6,000
- Aug 28, 2026Price change$295,000−$4,000
- Jul 24, 2026Listed$299,000
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 $150/sq ft; this home is listed at $188/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 109 Merlot Way, St. Augustine, FL 32084Listed by MARK SPAIN REAL ESTATE | Sep 2026 | $175,000 | $145 | 2/2.5 | 1,204 | 100 | 0 |
| 237 Syrah Way, St. Augustine, FL 32084Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINE | Sep 2026 | $173,000 | $150 | 2/2.5 | 1,155 | 22 | 0.1 |
| 405 Cabernet Place, St. Augustine, FL 32084Listed by WATSON REALTY CORP | Jul 2026 | $235,000 | $153 | 3/2.5 | 1,536 | 59 | 0.1 |
| 652 Drake Bay Terrace, St. Augustine, FL 32084Listed by FLORIDA HOMES REALTY & MTG LLC | Jun 2026 | $190,000 | $134 | 3/2.5 | 1,415 | 120 | 0.1 |
| 616 Drake Bay Terrace, St. Augustine, FL 32084Listed by ST AUGUSTINE COASTAL REAL ESTATE | Apr 2026 | $161,000 | $147 | 2/2.5 | 1,095 | 157 | 0.1 |
| 274 Syrah Way, St. Augustine, FL 32084Listed by COLDWELL BANKER PREMIER PROPERTIES | Feb 2026 | $235,000 | $153 | 3/2.5 | 1,536 | 10 | 0.1 |
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: MARK SPAIN REAL ESTATE
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 Paloma
Paloma is a neighborhood in St. Augustine, FL (St. Johns County), ZIP 32084.
View all Paloma homes for sale →Keep looking
More homes in Paloma
Pending499 Cabernet PlaceSt. Augustine, FL 32084
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For Sale613 Drake Bay TerraceSt. Augustine, FL 32084
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Pending438 Cabernet PlaceSt. Augustine, FL 32084
3 bd · 2.5 ba · 1,424 sq ft
$190,000Est. $1,011/moWelcome to this 3-bedroom, 2.5-bath townhouse in the desirable Paloma. Built in 2007, this two-story home offers 1,424…
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For RentLease
617 Drake Bay TerraceSt. Augustine, FL 32084
2 bd · 2.5 ba · 1,050 sq ft
$1,650/moWelcome home to this spacious 2-bedroom, 2.5-bath townhome offering a comfortable layout and a convenient St. Augustine…
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Krista Fracke
Broker Associate
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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines