This home is in Paloma, St. Augustine — a waterfront home in St. Johns County.
Active·Listed today·Paloma
499 Cabernet Place
St. Augustine, FL 32084
About this home
Paloma
Well kept 2 bedroom ensuites plus 1/2 bath townhouse with pond view. Easy access to I-95 and to downtown St. Augustine. HOA amenities include community pool and lawn maintenance. LVP flooring down. Move in ready. St. Johns County for under $200,000.
Cost to own
Mortgage calculator
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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): $2,696/yr
Estimated taxes if purchased at asking price: ~$3,000/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: Shingle — year not disclosed (home built 2006)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Sewer · St Johns County Utilities - accounts · Public water · St Johns County Utilities - water accounts
County records show this parcel on central sewer served by St Johns County Utilities - accounts — no septic system to inspect or maintain.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,782 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 homeAs 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 8, 2026Listed$189,900
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
The neighborhood
About Paloma
Paloma is a neighborhood in St. Johns County, FL (St. Johns County), ZIP 32084.
View all Paloma homes for sale →Listing Courtesy of: MEMORY HOPKINS REAL ESTATE
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
Keep looking
More homes in Paloma
Active$209,000MLS# 2156542Est. $1,112/mo438 Cabernet Place, St. Augustine, FL 320843 Beds2 Baths1,424 sqftWelcome to this move-in-ready 3-bedroom, 2.5-bath townhouse in the desirable Paloma community of St. Augustine. Built…
ResidentialWATSON REALTY CORP
Active$214,000MLS# 2115754Est. $1,139/mo613 Drake Bay Terrace, St. Augustine, FL 320843 Beds2 Baths1,424 sqftThis just- like-New townhouse, has completely NEW kitchen, New tile flooring, New Paint job and it's Turn Key move in…
ResidentialFLORIDA HOMES REALTY & MTG LLC
Pending$165,000MLS# 2139166Est. $878/mo109 Merlot Way, St. Augustine, FL 320842 Beds2 Baths1,204 sqftCharming Townhome with Private Garage & Great Curb Appeal! Welcome to this well-maintained townhome offering comfort,…
ResidentialMARK SPAIN REAL ESTATE
Active$295,000MLS# 2156893Est. $1,570/mo105 Merlot Way, St. Augustine, FL 320843 Beds2 Baths1,536 sqftBeautifully updated and designed for low-maintenance living, this spacious end-unit townhome offers 1,536 square feet…
ResidentialMARK SPAIN REAL ESTATE
Keep looking
Similar homes in St. Augustine
Explore the area
More in Paloma
Paloma guides & reports
Your Local Realtor
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.
Text Krista about this home20+ 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.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines