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 golf course home in St. Johns County.

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Active

Active·8 days on market·Palencia

200 Paseo Terraza 206

St. Augustine, FL 32095

$315,000$180/sqftEst. $1,628/moMLS# 2162792

Beds

Baths

1,752

Sq Ft

2006

Built

Garage

Pool

About this home

Palencia

OPEN SAT 12-3. Experience Palencia Lifestyle w/this stunning 3BR/2BA one level condo located in the gated Avila community of Saint Augustine. PROPERTY HIGHLIGHTS: * Spacious 3 Bedrooms & 2 Full Baths * Rare attached 2-Car Garage * Elegant hardwood flooring throughout living areas * Premium kitchen with granite countertops & massive 72-inch cabinets * Large private lanai overlooking a peaceful, wooded nature preserve Building has an elevator! AVILA & PALENCIA AMENITIES: * Exclusive Avila-only pool, hot tub, and secure pedestrian gate to grocery stores, coffee shops, and medical offices * Championship Golf Course & Pro Shop * Top-tier Fitness Center: Gym, locker rooms, and group fitness classes * Aquatic Center: Dedicated lap pool, family pool, and age-restricted quiet pool * Racquet Sports: New pickleball courts & Har-Tru clay tennis courts with ball machine rental * Nature Trails: Miles of paved walking paths leading directly to the Intracoastal Waterway

Cost to own

Mortgage calculator

Home Price

$315,000

Down Payment: 20%

$63,000

Interest Rate: 6.71%

Loan Term

Monthly Payment

$1,628

Principal & Interest: $1,628

Property taxes (est.): $419

Insurance (est.): $210

Estimated Total Monthly

$2,257

*30-year loan at 6.71% APR (avg 30-yr rate 2026-09-03, 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 · 6.71% · 30yr$1,628

Property taxesest. at asking price, St. Johns County$419

HOAbilled quarterly$670

Estimated total, before insurance$2,717/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).

Cost to own

Taxes & assessment

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

Estimated taxes if purchased at asking price: ~$5,000/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.

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.

History

Price & status history

Sep 1, 2026Listed$315,000

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

Features

Price$315,000

Price / Sq Ft$180

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

ElementaryPalencia

HighAllen D. Nease

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

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