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 Cordova Palms, St. Augustine — a new construction home in St. Johns County.

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Active

Active·5 days on market·Cordova Palms

36 Villanueva Trail Trail

St. Augustine, FL 32095

$499,990$200/sqftEst. $2,584/moMLS# 2163394

Beds

Baths

2,500

Sq Ft

2026

Built

Garage

Pool

About this home

Cordova Palms

Welcome to our St Johns Community! Low CDD & HOA Fees. Amazing amenities, Clubhouse, Gym, Pool, Playground, Pickle Ball & Dog Park. Natural Gas Community! Lot 692. Great Homesite, backs to nature preserve! The Award-Winning Vero floor plan, 4-bedroom, Loft, 3-Baths, 3- Car garage. Boasts 2500 SF. 9' ceilings on first floor, Upstairs owner's suite, one bedroom Downstairs for guest w/ a full bathroom, great oversized kitchen café for family holiday gatherings w/lots of natural light, three bedrooms upstairs with a loft for great entertaining, the owners bath features a walk-in shower, with a glass shower door, and an oversized walk-in closet. Home includes double sinks in owner's suite, 42'' white kitchen cabinets, w/crown molding, kitchen quartz countertop

Cost to own

Mortgage calculator

Home Price

$499,990

Down Payment: 20%

$99,998

Interest Rate: 6.71%

Loan Term

Monthly Payment

$2,584

Principal & Interest: $2,584

Property taxes (est.): $665

Insurance (est.): $333

Estimated Total Monthly

$3,582

*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$2,584

Property taxesest. at asking price, St. Johns County$665

HOAbilled monthly$70

Estimated total, before insurance$3,319/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.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

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: material not specified — year not disclosed (home built 2026)

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

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