This home is in Paloma, St. Augustine.

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Active

Active·2 days on market·Paloma

105 Merlot Way

St. Augustine, FL 32084

$299,000$195/sqftEst. $1,525/moMLS# 2156893

Beds

Baths

1,536

Sq Ft

2006

Built

Garage

Pool

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.

Cost to own

Mortgage calculator

Home Price

$299,000

Down Payment: 20%

$59,800

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,525

Principal & Interest: $1,525

Property taxes (est.): $398

Insurance (est.): $199

Estimated Total Monthly

$2,122

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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 · 6.58% · 30yr$1,525

Property taxesest. at asking price, St. Johns County$398

HOAbilled monthly$440

Estimated total, before insurance$2,362/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,131/yr · $261/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, 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).

Cost to own

Taxes & assessment

2025 property taxes (current owner): $3,131/yr

Estimated taxes if purchased at asking price: ~$4,800/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.

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 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