This home is in Palencia, St. Augustine — a gated community home in St. Johns County.
Active·Listed today·Palencia
164 N River Drive
St. Augustine, FL 32095
About this home
Palencia
This Palencia home needs some love to bring it back to life, but with 7,134 sq. ft. on a private, nearly one-acre lot, the possibilities are endless. This Mediterranean-style estate was built with , spray foam insulation, and imported travertine flooring throughout, including the stair treads. Designed for multi-generational living, the property features a detached casita with a private bath and kitchenette, plus a separate living area above the garage with its own staircase and full bath. Every bedroom features an ensuite bath, with a secondary bedroom offering the potential for a second primary suite. The chef's kitchen features double islands, a 48'' Wolf 6-burner range with griddle and double ovens, Wolf microwave/convection oven, built-in Wolf steamer, 48'' Sub-Zero refrigerator, and custom range hood.
Cost to own
Mortgage calculator
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).
Cost to own
Taxes & assessment
2025 property taxes (current owner): $20,894/yr
Estimated taxes if purchased at asking price: ~$27,900/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.
Flood zone not yet determined
Check the exact parcel at msc.fema.gov or ask Krista to pull it.
Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.
Evacuation zone not yet determined
Check floridadisaster.org/knowyourzone.
Roof: Tile — year not disclosed (home built 2015)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,811 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 homeThis 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
- Aug 7, 2026Listed$1,750,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
The neighborhood
About Palencia
Palencia is a neighborhood in St. Johns County, FL (St. Johns County), ZIP 32095.
View all Palencia homes for sale →Listing Courtesy of: EXIT INSPIRED REAL ESTATE
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
Keep looking
More homes in Palencia
Active$1,895,000MLS# 2157427Est. $10,086/mo751 Promenade Pointe Drive, St. Augustine, FL 320954 Beds4 Baths3,701 sqftNestled within the prestigious master planned community of Palencia, this exceptional custom built Mediterranean estate…
ResidentialTHE NEWCOMER GROUP
Active$1,399,000MLS# 2143664Est. $7,446/mo161 N River Drive, St. Augustine, FL 320954 Beds4 Baths3,681 sqftThe moment you pull into the circular paver driveway, you know this one is different. Step inside and your eye goes…
ResidentialEXP REALTY LLC
Active$1,395,000MLS# 2130105Est. $7,425/mo145 Spanish Marsh Drive, St. Augustine, FL 320955 Beds3 Baths4,515 sqftFrom the moment you step inside, the openness of this home stands out. A wide, uninterrupted layout connects the dining…
ResidentialLPT REALTY LLC
Active$1,370,000MLS# 2152917Est. $7,292/mo560 Sebastian Square, St. Augustine, FL 320955 Beds4 Baths3,738 sqftPRICE IMPROVEMENT! Step into a world of refined traditional elegance with this stunning custom-built pool home by…
ResidentialCOMPASS FLORIDA LLC
Keep looking
Similar homes in St. Augustine
Your Local Realtor
Krista Fracke
Broker Associate
Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.
Text Krista about this home20+ years · 500+ closings · NE Florida
Curious what nearby homes sold for?
MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines