This home is in Cordova Palms, St. Augustine.

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Active·1 day on market·Cordova Palms

534 Barbosa Trail

St. Augustine, FL 32095

$521,990$177/sqftEst. $2,661/moMLS# 2156918

Beds

Baths

2,956

Sq Ft

2026

Built

Garage

Pool

About this home

Cordova Palms

Welcome to our St Johns Community, Cordova Palms! Low CDD & HOA Fees. Amazing amenities, Clubhouse, Gym, Pool, Playground, Pickle Ball & Dog Park. Natural Gas Community! Lot 630 3 car garage. The stunning Stratford, two-story home features a front porch and 5 bedrooms, 3.5 bathrooms, bonus room, offering an expansive 2,956 square feet of thoughtfully designed living space with a picture-perfect corner homesite. The master suite is conveniently located on the main floor, providing a serene retreat, while four additional bedrooms and a versatile loft & bonus room are situated upstairs. As you enter, you'll be greeted by a separate dining room or study, perfect for formal gatherings or a quiet workspace. The heart of the home features a spacious, open kitchen that seamlessly flows into the inviting family room, making it ideal for entertaining and everyday living. The loft area adds extra living space, offering endless possibilities for a game room, home office, or relaxation zone.

Cost to own

Mortgage calculator

Home Price

$521,990

Down Payment: 20%

$104,398

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,661

Principal & Interest: $2,661

Property taxes (est.): $695

Insurance (est.): $348

Estimated Total Monthly

$3,704

*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$2,661

Property taxesest. at asking price, St. Johns County$695

HOAbilled monthly$70

Estimated total, before insurance$3,426/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.

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: material not specified — year not disclosed (home built 2026)

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

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