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 St. Augustine — a home near Pedro Menendez High School.

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Active

Active·13 days on market

204 Beach Palm Court

St. Augustine, FL 32086

$299,900$191/sqftEst. $1,540/moMLS# 2159740

Beds

Baths

1,567

Sq Ft

2025

Built

Garage

Pool

About this home

St. Augustine

RARE AND ONE OF THE LAST OPPORTUNITIES FOR AN END-UNIT IN ORCHARD PARK! 2025 BUILD • 1,567 SQ FT • 3 BED • 2.5 BATH • 1-CAR GARAGE • EXTENSIVELY UPGRADED • PROTECTED NATIONAL FOREST ACROSS THE STREET • NO FUTURE BUILDING ACROSS FROM HOME. This beautifully upgraded 2025-built 3-bedroom, 2.5-bath, 1,567 sq. ft. end-unit townhome is a truly unique opportunity. KB Home has completed its end-unit construction in Orchard Park, making this a rare opportunity to own an end unit in the community. Even more special, this home is directly across from a protected National Forest area where no future residential development is permitted, providing a beautiful natural setting and added privacy that cannot be replicated with new construction. Why wait for something that isn't going to be built again? This home is already completed, extensively upgraded, and ready for its new owner.

Cost to own

Mortgage calculator

Home Price

$299,900

Down Payment: 20%

$59,980

Interest Rate: 6.65%

Loan Term

Monthly Payment

$1,540

Principal & Interest: $1,540

Property taxes (est.): $399

Insurance (est.): $200

Estimated Total Monthly

$2,139

*30-year loan at 6.65% APR (avg 30-yr rate 2026-08-20, 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 · 6.65% · 30yr$1,540

Property taxesest. at asking price, St. Johns County$399

HOAbilled monthly$197

Estimated total, before insurance$2,136/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$903/yr · $75/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): $903/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 — year not disclosed (home built 2025)

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

Solar potential: ~1,750 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 August 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