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This home is in Palencia, St. Augustine — a home near Allen D. Nease High School.

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Active

Active·1 day on market·Palencia

15 San Nueve Circle

St. Augustine, FL 32095

$740,000$258/sqftEst. $3,804/moMLS# 2162422

Beds

Baths

2,866

Sq Ft

2018

Built

Garage

Yes

Pool

About this home

Palencia

15 San Nueve Cir is a one-story Saint Augustine home built in 2018. The kitchen offers a large island, stainless steel appliances, and ample cabinet storage. An open living room serves as a comfortable main gathering space. The primary bedroom connects to a bathroom with double sinks, a soaking tub, and a separate shower for everyday convenience. A covered patio and in-ground pool extend the living space outdoors within a fully fenced backyard, and a three-car attached garage completes this well-maintained residence with practical amenities throughout. Included 100-Day Home Warranty with buyer activation

Cost to own

Mortgage calculator

Home Price

$740,000

Down Payment: 20%

$148,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$3,804

Principal & Interest: $3,804

Property taxes (est.): $985

Insurance (est.): $493

Estimated Total Monthly

$5,282

*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$3,804

Property taxesest. at asking price, St. Johns County$985

HOAbilled annually$12

Estimated total, before insurance$4,801/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$11,984/yr · $999/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): $11,984/yr

Estimated taxes if purchased at asking price: ~$11,800/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 D

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

Roof: Shingle — year not disclosed (home built 2018)

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

Solar potential: ~1,781 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