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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 golf course home in St. Johns County.

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Active

Active·53 days on market·Palencia

200 Paseo Terraza 206

St. Augustine, FL 32095

$299,990$171/sqftEst. $1,649/mo mortgageMLS# 2162792
↓ $15,010 below original listOpen house Sun, Oct 25 · 12:00 pm–1:30 pm
3
Beds
2
Baths
1,752
Sq Ft
2006
Built
2
Garage
No
Pool

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

FEMA Zone XHOA $670/moCondominium1 story

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About this home

Palencia

OPEN HOUSE SUNDAY 12-1:30PM! Resort-Style Living in Avila at Palencia! Located in the desirable Palencia community of St. Augustine, Florida, Avila offers resort-style living with convenient access to Jacksonville, Historic St. Augustine, and Vilano Beach. This beautiful 3-bedroom, 2-bath, single-level condominium is located within the gated Avila community and offers an exceptional blend of comfort, privacy, convenience, and low-maintenance living. The spacious interior features elegant hardwood flooring, a beautifully appointed kitchen with granite countertops and oversized 72-inch cabinetry, and a convenient 2-car garage. Enjoy your morning coffee or unwind at the end of the day on the large private lanai overlooking a peaceful wooded preserve. Elevator access provides additional convenience.

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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 · 7.32% · 30yr$1,649
Property taxesest. at asking price, St. Johns County$399
HOAbilled quarterly$670
Estimated total, before insurance$2,718/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$6,204/yr · $517/mo

This bill runs well above the county-average estimate — usually the sign of a CDD or special assessment on this home. We confirm the exact line (and whether a bond was ever prepaid) before you offer.

  • • 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

$299,990
$59,998
Loan Term
Monthly Payment
$1,649
Principal & Interest: $1,649
Property taxes (est.): $399
Insurance (est.): $200
Estimated Total Monthly
$2,248
*30-year loan at 7.32% APR (avg 30-yr rate 2026-10-22, 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.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: Tile — year not disclosed (home built 2006)

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

Sewer & public water · St Johns County Utilities

County records show this parcel on central sewer served by St Johns County Utilities — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,796 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 September 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.

Around this address

Nearby, from public data

The closest public beach, park, water access, league fields and grocery store from this home's location.

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $6,204/yr

Estimated taxes if purchased at asking price: ~$4,800/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.

History

Price & status history

  • Oct 10, 2026Price change$299,990−$7,010
  • Sep 16, 2026Price change$307,000−$8,000
  • Sep 1, 2026Listed$315,000

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 $156/sq ft; this home is listed at $171/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
200 Paseo Terraza 402, St. Augustine, FL 32095Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINEMay 2026$244,000$1552/21,57580
200 Paseo Terraza 203, St. Augustine, FL 32095Listed by REALTY ONE GROUP ELEVATEApr 2026$240,000$1522/21,5753180
140 Calle El Jardin 102, St. Augustine, FL 32095Listed by DOGWOOD REALTYJul 2026$205,000$1602/21,2781170.1
125 Calle El Jardin 104, St. Augustine, FL 32095Listed by DOGWOOD REALTYMar 2026$245,000$1773/21,3832180.1
120 Calle El Jardin 203, St. Augustine, FL 32095Listed by ENDLESS SUMMER REALTYFeb 2026$200,000$1562/21,278290.1
315 Via Castilla 204, St. Augustine, FL 32095Listed by MARK SPAIN REAL ESTATESep 2026$212,500$1543/21,383170.2

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$299,990
Price / Sq Ft$171
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,752
Year Built2006
TypeResidential
Sub-TypeCondominium
StyleSpanish
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontNo
Gated CommunityYes
Direction FacesWest

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 highAllen D. Nease
Reported byThe listing agent, in the MLS. Where it differs from the zone, the zone wins.

Community Information

Address200 Paseo Terraza 206, St. Augustine, FL 32095
Area312-Palencia Area
SubdivisionPalencia
CitySt. Augustine
CountySt. Johns
StateFL
Zip Code32095
Parcel Number0724201206
ZoningCondominium

Amenities

AmenitiesPool, Clubhouse, Dog Park, Elevator(s), Fitness Center, Gated, Golf Course, Jogging Path, Maintenance Grounds, Management - Off Site, Pickleball, Playground, Sauna, Spa/Hot Tub, Tennis Court(s), Trash, Water
Community FeaturesSuburban
UtilitiesCable Available, Sewer Available, Water Available
SewerPublic Sewer
Water SourcePublic
ParkingAdditional Parking, Garage, Garage Door Opener
ViewTrees/Woods

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, His and Hers Closets, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower
AppliancesDishwasher, Disposal, Dryer, Electric Cooktop, Electric Oven, Electric Range, Electric Water Heater, Microwave, Refrigerator, Washer
HeatingCentral
CoolingCentral Air
FlooringTile, Wood
# of Stories1
LevelsOne
LaundryIn Unit
SecurityFire Sprinkler System, Security Gate

Exterior

Patio / PorchCovered, Patio
RoofTile
Road SurfaceAsphalt
Road FrontagePrivate Road

Additional Information

Date ListedSeptember 1, 2026
Days on Market51
HOA Fees$2,011 / Quarterly
HOA FrequencyQuarterly
HOA NameElim and Watson
HOA Fee IncludesMaintenance Grounds, Maintenance Structure, Pest Control, Security, Sewer, Trash, Water
Tax Amount$6,204.4
Tax Year2025
Listing TermsCash, Conventional
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: MOXII PRO 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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Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

Northeast Florida living

Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines

Open Houses

10/25/2026

12:00 pm - 1:30 pm