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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 home near Allen D. Nease High School.

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Active·Listed today·Palencia

130 Calle El Jardin 104

St. Augustine, FL 32095

$259,900$188/sqftEst. $1,350/moMLS# 2164596
3
Beds
2
Baths
1,383
Sq Ft
2005
Built
Garage
No
Pool

About this home

Palencia

Enjoy easy, low-maintenance living in this beautifully refreshed ground-floor condo within Avila at Palencia, a private gated condominium community. Offering 3 bedrooms, 2 full bathrooms, and 1,383 square feet, the Cordoba floor plan features a desirable split-bedroom layout with no stairs and convenient step-out access. The freshly updated interior includes luxury vinyl plank flooring, new blinds, fresh paint, two new bathroom vanities, brushed nickel faucets, new showerheads, two new toilets, updated lighting, and ceiling fans. The kitchen offers granite countertops, along with a new refrigerator and microwave installed in January 2026. The HVAC was replaced in 2023 and professionally serviced in August 2026. Relax on the screened lanai with its new ceiling fan, or enjoy the added privacy of the pocket door connecting the primary suite to its bathroom. Hurricane shutters are conveniently stored in the lanai closet.

Cost to own

Mortgage calculator

$259,900
$51,980
Loan Term
Monthly Payment
$1,350
Principal & Interest: $1,350
Property taxes (est.): $346
Insurance (est.): $173
Estimated Total Monthly
$1,869
*30-year loan at 6.76% APR (avg 30-yr rate 2026-09-10, 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 · 6.76% · 30yr$1,350
Property taxesest. at asking price, St. Johns County$346
HOAbilled quarterly$218
Estimated total, before insurance$1,913/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,907/yr · $492/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): $5,907/yr

Estimated taxes if purchased at asking price: ~$4,200/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

  • Sep 12, 2026Listed$259,900

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

Features

Price$259,900
Price / Sq Ft$188
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,383
Year Built2005
TypeResidential
Sub-TypeCondominium
StatusActive
# of Carport Spaces1
Has PoolNo
Is WaterfrontNo
Gated CommunityYes

School Information

Community Information

Address130 Calle El Jardin 104, St. Augustine, FL 32095
Area312-Palencia Area
SubdivisionPalencia
CitySt. Augustine
CountySt. Johns
StateFL
Zip Code32095
Parcel Number0724210314
ZoningCondominium

Amenities

AmenitiesPool, Clubhouse, Fitness Center, Gated, Golf Course, Pickleball, Spa/Hot Tub, Tennis Court(s)
UtilitiesElectricity Available, Sewer Available, Water Available
SewerPublic Sewer
Water SourcePublic
ParkingAssigned, Carport, Covered

Interior

Interior FeaturesCeiling Fan(s), His and Hers Closets, Pantry, Walk-In Closet(s)
AppliancesDishwasher, Dryer, Electric Range, Microwave, Refrigerator, Washer
HeatingCentral, Electric
CoolingCentral Air, Electric
FlooringTile, Vinyl
# of Stories1

Exterior

ConstructionStucco

Additional Information

Date ListedSeptember 12, 2026
Days on Market17
HOA Fees$653 / Quarterly
HOA FrequencyQuarterly
Tax Amount$5,907.16
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

The neighborhood

About Palencia

Palencia is a neighborhood in St. Johns County, FL (St. Johns County), ZIP 32095.

View all Palencia homes for sale →

Listing Courtesy of: ONE SOTHEBY'S INTERNATIONAL REALTY

Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

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20+ years · 500+ closings · NE Florida

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