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 Palencia, St. Augustine — a gated community home in St. Johns County.

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Active

Active·Listed today·Palencia

213 Spanish Marsh Drive

St. Augustine, FL 32095

$2,500,000$520/sqftEst. $12,853/moMLS# 2161982

Beds

Baths

4,808

Sq Ft

2026

Built

Garage

Yes

Pool

About this home

Palencia

Exceptional NEW CONSTRUCTION by McFarland Family Homes in prestigious PALENCIA, one of St. Augustine's most sought-after gated golf/tennis/country club communities. Scheduled for completion in October 2026, this 4,808-square-foot luxury residence offers 4 bedrooms, 5 bathrooms, oversized 3-car garage, private preserve setting with golf course views and resort-style outdoor living--all brought together with sophisticated architecture, craftsmanship and an extensive collection of designer-selected finishes. A striking coastal exterior sets the tone with a concrete tile roof, black-framed windows, expansive paver driveway and dramatic 8-foot glass entry doors. Step inside to a home that is bright, open and filled with natural light, with grand-scale indoor-outdoor living. The dramatic great room features soaring 17-foot vaulted ceilings with architectural wood beams, wide-plank oak hardwood flooring and a natural cast-concrete fireplace flanked by custom floating shelves.

Cost to own

Mortgage calculator

Home Price

$2,500,000

Down Payment: 20%

$500,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$12,853

Principal & Interest: $12,853

Property taxes (est.): $3,327

Insurance (est.): $1,667

Estimated Total Monthly

$17,846

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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 · 6.66% · 30yr$12,853

Property taxesest. at asking price, St. Johns County$3,327

HOAbilled annually$10

Estimated total, before insurance$16,190/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$6,869/yr · $572/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): $6,869/yr

Estimated taxes if purchased at asking price: ~$39,900/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.

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 C

Zone C evacuates after zones A, B in an approaching storm.

Roof: Concrete — year not disclosed (home built 2026)

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

Solar potential: ~1,810 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

Price & status history

Aug 26, 2026Listed$2,500,000

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

Features

Price$2,500,000

Price / Sq Ft$520

Bedrooms4

Bathrooms4.50

Full Baths4

Half Baths1

Square Footage4,808

Total Structure Area6,963 sq ft

Acres0.39 acres

Year Built2026

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionUnder Construction

StatusActive

# of Garages3

Has PoolYes

Pool FeaturesIn Ground, Salt Water

Is WaterfrontNo

Gated CommunityYes

New ConstructionYes

School Information

ElementaryPalencia

MiddlePacetti Bay

HighAllen D. Nease

Community Information

Address213 Spanish Marsh Drive, St. Augustine, FL 32095

Area312-Palencia Area

SubdivisionPalencia

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32095

Lot Size16,988.4 sq ft

Parcel Number0720820420

ZoningSingle Family

Amenities

AmenitiesPool, Children's Pool, Clubhouse, Dog Park, Fitness Center, Gated, Golf Course, Jogging Path, Management - Full Time, Park, Pickleball, Playground, Tennis Court(s), Trash

UtilitiesElectricity Connected, Natural Gas Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAdditional Parking, Garage

ViewGolf Course, Trees/Woods

Interior

Interior FeaturesGuest Suite, His and Hers Closets, In-Law Floorplan, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Disposal, Gas Range, Microwave, Refrigerator

HeatingNatural Gas

CoolingZoned

FireplaceYes

# of Fireplaces1

Fireplace FeaturesGas

# of Stories2

LevelsTwo

LaundryLower Level, Upper Level

Spa FeaturesIn Ground, Heated