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This home is in Cordova Palms, St. Augustine — a waterfront home in St. Johns County.

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Active

Active·1 day on market·Cordova Palms

139 Torres

St. Augustine, FL 32095

$420,000$205/sqftEst. $2,224/moMLS# 2165186

Beds

2.5

Baths

2,048

Sq Ft

2023

Built

Garage

Pool

FEMA Zone XHOA $70/mo5,227 sqft lotWaterfrontSingle Family Residence2 stories

About this home

Cordova Palms

Welcome home to this beautifully designed 4-bedroom, 2.5-bath home in Cordova Palms, offering over 2,000 square feet of thoughtfully designed living space. Built in 2023, this home features an open-concept layout with 9-foot ceilings, quartz countertops, 42-inch cabinetry, stainless steel appliances, a gas range, and a tankless water heater. The spacious first-floor primary suite provides privacy and convenience. Upstairs, you'll find additional bedrooms and a versatile loft perfect for a home office, playroom, or second living area. Step outside and enjoy the water view, giving the backyard a peaceful setting for relaxing or entertaining. Located in the Cordova Palms Community, residents enjoy a club house with a fitness center, resort style pool, pickleball courts, playground and dog park.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 6.95% · 30yr$2,224

Property taxesest. at asking price, St. Johns County$559

HOAbilled monthly$70

Estimated total, before insurance$2,853/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$7,930/yr · $661/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

Home Price

$420,000

Down Payment: 20%

$84,000

Interest Rate: 6.95%

Loan Term

Monthly Payment

$2,224

Principal & Interest: $2,224

Property taxes (est.): $559

Insurance (est.): $280

Estimated Total Monthly

$3,063

*30-year loan at 6.95% APR (avg 30-yr rate 2026-09-17, 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: Shingle — year not disclosed (home built 2023)

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.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $7,930/yr

Estimated taxes if purchased at asking price: ~$6,700/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 17, 2026Listed$420,000

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

Features

Price$420,000

Price / Sq Ft$205

Bedrooms4

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage2,048

Acres0.12 acres

Year Built2023

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontYes

Community Information

Address139 Torres, St. Augustine, FL 32095

Area307-World Golf Village Area-SE

SubdivisionCordova Palms

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32095

Lot Size5,227.2 sq ft

Parcel Number0725712130

Amenities

AmenitiesBasketball Court, Clubhouse, Dog Park, Fitness Center, Pickleball, Playground, Tennis Court(s)

UtilitiesElectricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

ViewPond

Waterfront TypePond

Interior

Interior FeaturesEat-in Kitchen, Pantry, Primary Bathroom - Shower No Tub, Primary Downstairs, Walk-In Closet(s)

AppliancesDishwasher, Dryer, Gas Range, Microwave, Refrigerator, Washer

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringCarpet, Tile

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, Upper Level, Washer Hookup

Exterior

Patio / PorchCovered, Patio

FencingFull, Wrought Iron

RoofShingle

ConstructionFiber Cement

Road SurfacePaved

Additional Information

Date ListedSeptember 17, 2026

Days on Market0

HOA Fees$70 / Monthly

HOA FrequencyMonthly

Tax Amount$7,930.17

Tax Year2025

Listing TermsCash, Conventional, FHA, VA Loan

55+ CommunityNo

New ConstructionNo

Listing Courtesy of: DJ & LINDSEY REAL ESTATE · patrickgrabowski@djandlindsey.com

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 Cordova Palms

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

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Your Local Realtor

Krista Fracke

Broker Associate

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20+ years · 500+ closings · NE Florida

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