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

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Active

Active·1 day on market·Cordova Palms

364 Villanueva Trail

St. Augustine, FL 32095

$479,990$214/sqftEst. $2,542/moMLS# 2165783
4
Beds
3
Baths
2,248
Sq Ft
2026
Built
2
Garage
No
Pool
FEMA Zone XHOA $70/moSingle Family Residence1 storyNew construction

About this home

Cordova Palms

Welcome to Cordova Palms Community in St Johns County! Low CDD & HOA Fees. Amazing amenities, Clubhouse, Gym, Pool, Playground, Pickle Ball & Dog Park. Natural Gas Community! Lot 660. The Mayport showcases a wonderfully open layout that maximizes both light and flow throughout the home. This impressive one-story home encompasses 4 bedrooms and 3 full bathrooms within 2,248 square feet of thoughtfully designed living space w/9' ceilings! You'll love the spacious kitchen, featuring abundant cabinetry for extra storage, perfect for all your culinary needs. The layout is designed to enhance everyday living, making it ideal for gatherings with family and friends. The primary suite is a true highlight, boasting two expansive walk-in closets and a luxurious en-suite bath & walk-in tile shower w/ quartz vanity top and secondary baths. With three full bathrooms & one conveniently located in bedroom #2, provides privacy, convenience & a mother-in-law suite option for everyone!

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$2,542
Property taxesest. at asking price, St. Johns County$639
HOAbilled monthly$70
Estimated total, before insurance$3,251/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.
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$479,990
$95,998
Loan Term
Monthly Payment
$2,542
Principal & Interest: $2,542
Property taxes (est.): $639
Insurance (est.): $320
Estimated Total Monthly
$3,500
*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: 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

Price & status history

  • Sep 21, 2026Listed$479,990

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

Features

Price$479,990
Price / Sq Ft$214
Bedrooms4
Bathrooms3.00
Full Baths3
Square Footage2,248
Year Built2026
TypeResidential
Sub-TypeSingle Family Residence
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontNo
New ConstructionYes

Community Information

Address364 Villanueva Trail, St. Augustine, FL 32095
Area307-World Golf Village Area-SE
SubdivisionCordova Palms
CitySt. Augustine
CountySt. Johns
StateFL
Zip Code32095
Parcel Number0725717230

Amenities

UtilitiesSewer Available
Water SourcePublic
ParkingAttached, Garage

Interior

AppliancesDishwasher, Gas Cooktop, Gas Water Heater, Microwave
HeatingElectric
CoolingCentral Air
# of Stories1

Additional Information

Date ListedSeptember 21, 2026
Days on Market0
HOA Fees$70 / Monthly
HOA FrequencyMonthly
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionYes

Listing Courtesy of: EAGLES WORLD REALTY, INC · orgest@eaglesworldrealty.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.

View all Cordova Palms homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

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.

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20+ years · 500+ closings · NE Florida

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