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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in Palencia, St. Augustine — a pool home in St. Johns County.

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Active

Active·49 days on market·Palencia

755 Cypress Crossing Trail

St. Augustine, FL 32095

$879,000$276/sqftEst. $4,811/moMLS# 2160530
↓ $96,499 below original list
4
Beds
4
Baths
3,188
Sq Ft
2005
Built
3
Garage
Yes
Pool

48 more homes for sale in Palencia →Search Palencia on the map

FEMA Zone AHOA $17/mo11,761 sqft lotSingle Family Residence2 stories

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Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.

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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

About this home

Palencia

Welcome to Palencia living at its finest! This beautifully appointed 5-bedroom, 4-bathroom home with a screened tropical pool offers an exceptional combination of space, luxury, privacy, and outdoor living in one of St. Johns County's most sought-after golf course communities, all served by top-rated A-rated schools. From the paver driveway and welcoming front porch to the decorative glass front door with sidelights, this home makes an impressive first impression. Inside, abundant natural light fills the thoughtfully designed floor plan, showcasing elegant crown molding, tray ceilings, decorative chair rail, recessed lighting, and designer fixtures throughout. Just off the foyer, French doors open to a private study--perfect for a home office, library, or quiet retreat.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.28% · 30yr$4,811
Property taxesest. at asking price, St. Johns County$1,170
HOAbilled annually$17
Estimated total, before insurance$5,998/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$13,277/yr · $1,106/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$879,000
$175,800
Loan Term
Monthly Payment
$4,811
Principal & Interest: $4,811
Property taxes (est.): $1,170
Insurance (est.): $586
Estimated Total Monthly
$6,567
*30-year loan at 7.28% APR (avg 30-yr rate 2026-10-01, 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.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Zone A — high-risk flood zone (Special Flood Hazard Area)

Lenders require flood insurance for financed purchases here.

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: Shingle — 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: ~1,692 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.

Sun & Light

Southeast-facing backyard — winter sunrises, bright mornings

The listing reports the home facing northwest, which puts the backyard and pool on the southeast side. Today at this address: sunrise 7:22 AM, sunset 7:05 PM.

  • A comfortable compromise lot: real pool sun without the western afternoon heat.
  • The rear takes strong morning-to-midday sun and eases off by late afternoon; in winter the sun rises almost straight into this exposure.

Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $13,277/yr

Estimated taxes if purchased at asking price: ~$14,000/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.

History

Price & status history

  • Sep 30, 2026Price change$879,000−$20,000
  • Sep 26, 2026Price change$899,000−$50,000
  • Sep 21, 2026Price change$949,000−$26,499
  • Aug 17, 2026Listed$975,499

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$879,000
Price / Sq Ft$276
Bedrooms4
Bathrooms4.00
Full Baths4
Square Footage3,188
Total Structure Area3,914 sq ft
Acres0.27 acres
Year Built2005
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
StatusActive
# of Garages3
Has PoolYes
Pool FeaturesIn Ground, Screen Enclosure, Waterfall
Is WaterfrontNo
Direction FacesNorthwest

School Information

Community Information

Address755 Cypress Crossing Trail, St. Augustine, FL 32095
Area312-Palencia Area
SubdivisionPalencia
CitySt. Augustine
CountySt. Johns
StateFL
Zip Code32095
Lot Size11,761.2 sq ft
Parcel Number0720850940
ZoningResidential

Amenities

UtilitiesCable Available
SewerPublic Sewer
Water SourcePublic
ParkingGarage
ViewPool, Trees/Woods

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Open Floorplan, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Gas Cooktop, Microwave, Wine Cooler
HeatingCentral, Electric, Natural Gas
CoolingCentral Air
FlooringCarpet, Tile
# of Stories2
LevelsOne and One Half
LaundryIn Unit, Sink

Exterior

Lot DescriptionSprinklers In Front, Sprinklers In Rear
Patio / PorchCovered, Front Porch
RoofShingle
ConstructionFiber Cement, Frame
Road SurfaceAsphalt

Additional Information

Date ListedAugust 17, 2026
Days on Market49
HOA Fees$200 / Annually
HOA FrequencyAnnually
HOA NameOak Commons (Marshall Creek/Palencia)
Tax Amount$13,277.02
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: ENDLESS SUMMER REALTY

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.

View all Palencia homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

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.

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20+ years · 500+ closings · NE Florida

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