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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 gated community home in St. Johns County.

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Active

Active·46 days on market·Palencia

213 Spanish Marsh Drive

St. Augustine, FL 32095

$2,500,000$520/sqftEst. $13,848/moMLS# 2161982
4
Beds
4.5
Baths
4,808
Sq Ft
2026
Built
3
Garage
Yes
Pool

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

FEMA Zone XHOA $10/mo16,988 sqft lotSingle Family Residence2 storiesNew construction

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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.

Next steps in Palencia

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Cost to own

True monthly cost

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

Principal & interest20% down · 7.4% · 30yr$13,848
Property taxesest. at asking price, St. Johns County$3,327
HOAbilled annually$10
Estimated total, before insurance$17,185/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$2,500,000
$500,000
Loan Term
Monthly Payment
$13,848
Principal & Interest: $13,848
Property taxes (est.): $3,327
Insurance (est.): $1,667
Estimated Total Monthly
$18,841
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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 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.

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.

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.

Closed sales

What sold nearby

Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $414/sq ft; this home is listed at $520/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
122 Senora Court, St. Augustine, FL 32095Listed by EXP REALTY LLCAug 2026$1,576,500$4144/4.53,81130.4
532 Costa Del Sol Drive, St. Augustine, FL 32095Listed by LPT REALTY LLCJun 2026$2,650,000$5164/4.55,136260.5
327 Costa Del Sol Drive, St. Augustine, FL 32095Listed by REALTY ONE GROUP ELEVATESep 2026$2,700,000$6065/4.54,455450.6
286 Vale Drive, St. Augustine, FL 32095Listed by COMPASS FLORIDA LLCJul 2026$1,457,500$3855/4.53,78170.6
161 N River Drive, St. Augustine, FL 32095Listed by EXP REALTY LLCOct 2026$1,275,000$3464/43,6811140.7
1319 Powis Road, St. Augustine, FL 32095Listed by ONE SOTHEBY'S INTERNATIONAL REALTYSep 2026$874,000$2405/3.53,642220.8

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

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

Zoned elementaryPalencia Elementary
Zone sourceSt. Johns County School District attendance zones, current school year. Zones change; confirm with the district before you rely on one.
Reported elementaryPalencia
Reported middlePacetti Bay
Reported highAllen D. Nease
Reported byThe listing agent, in the MLS. Where it differs from the zone, the zone wins.

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
Community FeaturesSidewalks, Suburban, Street Lights, Gated
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

Exterior

Exterior FeaturesBalcony, Outdoor Kitchen
Lot DescriptionCul-De-Sac, On Golf Course
Patio / PorchCovered, Patio
FencingFenced
RoofConcrete
ConstructionFrame
Road SurfaceAsphalt
Road FrontageCounty Road

Additional Information

Date ListedAugust 26, 2026
Days on Market26
HOA Fees$125 / Annually
HOA FrequencyAnnually
HOA Fee IncludesSecurity
Tax Amount$6,868.98
Tax Year2025
Listing TermsCash, Conventional
55+ CommunityNo
New ConstructionYes

Listing Courtesy of: EXP REALTY 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.

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

Curious what nearby homes sold for?

MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

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