This home is in Palencia, St. Augustine — a home near Allen D. Nease High School.
Active·44 days on market·Palencia
654 S Loop Parkway
St. Augustine, FL 32095
73 more homes for sale in Palencia →Search Palencia on the map
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About this home
Palencia
Welcome to 654 South Loop Parkway, ideally located in the heart of Palencia and just a short walk to the charming Village Square. This beautiful home offers a flexible floor plan with the primary suite conveniently located on the main floor and featuring impressive 10-foot ceilings. A separate garage apartment includes a full kitchenette and private bathroom, perfect for guests, extended family, a home office, or additional living space. The spacious bonus room is already plumbed for a wet bar, making it ideal for entertaining, a media room, or game room. Outside, enjoy the adorable private courtyard, perfect for morning coffee or outdoor dining. Located in one of St. Augustine's most desirable communities, Palencia offers wonderful amenities, beautiful surroundings, and access to highly rated St. Johns County schools. With its walkable location, versatile living spaces, and incredible charm, this home is a must see!
Next steps in Palencia
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).
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
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 D
Zone D evacuates after zones A, B, C in an approaching storm.
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 · 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: ~1,777 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 homeAs 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.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $563,345 | $551,147 | — |
| 2024 | $529,031 | $501,043 | — |
| 2023 | $539,892 | $455,494 | — |
| 2022 | $431,706 | $414,085 | — |
| 2021 | $376,441 | $376,441 | — |
| 2020 | $371,506 | $368,799 | ▼ $62,295 |
2025 property taxes (current owner): $10,733/yr
Estimated taxes if purchased at asking price: ~$9,500/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 (2025), NEFMLS.
History
Price & status history
- Sep 15, 2026Active$597,000
- Aug 26, 2026Active Under Contract$597,000
- Aug 17, 2026Listed$597,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
School Information
Community Information
Amenities
Interior
Additional Information
Listing Courtesy of: COMPASS FLORIDA LLC
Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.
The neighborhood
About Palencia
Palencia is a neighborhood in St. Johns County, FL (St. Johns County), ZIP 32095.
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Your Local Realtor
Krista Fracke
Broker Associate
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Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines