Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in Palencia, St. Augustine — a home near Allen D. Nease High School.

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Active

Active·Listed today·Palencia

405 La Travesia Flora 203

St. Augustine, FL 32095

$205,000$160/sqftEst. $1,045/moMLS# 2157820

Beds

Baths

1,278

Sq Ft

2005

Built

—

Garage

Pool

About this home

Palencia

*Seller is offering $2,500 towards buyer's closing costs/rate buy down with accepted offer* Welcome to this inviting 2-bedroom, 2-bathroom residence nestled in the sought-after community of Palencia. Enjoy full access to all of Palencia's exceptional amenities, from resort-style pools and fitness centers to walking trails, pickleball courts, tennis courts, and vibrant social spaces. Ideally situated just a short drive from downtown historic Saint Augustine and the beautiful beaches of the Atlantic coast, this home offers the perfect blend of peaceful suburban living and convenient access to culture, dining, shopping, and coastal recreation. Whether you're seeking a primary residence or a relaxing getaway, this well-located property delivers comfort, community, and proximity to everything Northeast Florida has to offer. Schedule your private showing today!

Cost to own

Mortgage calculator

Home Price

$205,000

Down Payment: 20%

$41,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,045

Principal & Interest: $1,045

Property taxes (est.): $273

Insurance (est.): $137

Estimated Total Monthly

$1,455

*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$1,045

Property taxesest. at asking price, St. Johns County$273

HOAbilled quarterly$218

Estimated total, before insurance$1,536/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,322/yr · $360/mo

This bill runs well above the county-average estimate — usually the sign of a CDD or special assessment on this home. We confirm the exact line (and whether a bond was ever prepaid) before you offer.

• 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): $4,322/yr

Estimated taxes if purchased at asking price: ~$3,300/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, 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: material not specified — year not disclosed (home built 2005)

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

Sewer & public water · St Johns County Utilities

County records show this parcel on central sewer served by St Johns County Utilities — 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