554 Barbosa Trail

St. Augustine, FL 32095

$424,990$193/sqftEst. $2,183/moMLS# 2161533

Beds

Baths

2,201

Sq Ft

2026

Built

Garage

Pool

About this home

Cordova Palms

Welcome to our St Johns Community! Low CDD & HOA Fees. Amazing amenities, Clubhouse, Gym, Pool, Playground, Pickle Ball & Dog Park. Natural Gas Community! Lot 632. The Award-Winning Amherst II plan boasts, 2201 SF. 4 Bedroom, Loft, w/3 full bath home and 2 car garage. Great oversized kitchen/ café for family holiday gatherings w/lots of natural light, the master owner's suite features a walk-in tile shower, with a glass shower door w/an oversized walk-in closet & double sinks too! Home Includes, Luxury Laminate flooring in the main living areas, upgraded carpet in all the bedrooms, tile in all bathrooms, 42'' white cabinets, Cove crown molding, Double gas range oven w/microwave, stainless steel microwave, vented to the exterior above the gas range, upgraded kitchen quartz countertop and all bathrooms, with raised vanities.

Cost to own

Mortgage calculator

Home Price

$424,990

Down Payment: 20%

$84,998

Interest Rate: 6.65%

Loan Term

Monthly Payment

$2,183

Principal & Interest: $2,183

Property taxes (est.): $566

Insurance (est.): $283

Estimated Total Monthly

$3,031

*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$2,183

Property taxesest. at asking price, St. Johns County$566

HOAbilled monthly$70

Estimated total, before insurance$2,818/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.

History