This home is in Ocean Palms, St. Augustine — a gated community home in St. Johns County.
Active·Listed today·Ocean Palms
640 Casa Fuerta Lane
St. Augustine, FL 32080
2 more homes for sale in Ocean Palms →Search Ocean Palms on the map
About this home
Ocean Palms
A peaceful preserve backdrop and beautifully updated interiors create the setting for relaxed island living in Ocean Palms. This thoughtfully updated patio home features an open floor plan, high ceilings and abundant natural light. Expansive twelve foot triple sliding glass doors connect the living area to a spacious screened lanai, creating an inviting spot for morning coffee, entertaining or simply unwinding while enjoying the tranquil preserve views. So many updates to take in, including the luxury vinyl plank flooring, new trim and baseboards, and painting throughout. The gorgeous kitchen is both stylish and functional, featuring white cabinetry with lighted display cabinets, soft close design, deep drawers, specialty storage, pull outs, quartz counters, tile backsplash and stainless appliances. Open and bright living area with electric fireplace to set the mood, while the adjoining dining area is enhanced by attractive board and batten detailing.
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).
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
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.
Evacuation zone not yet determined
Check floridadisaster.org/knowyourzone.
Roof: Shingle — year not disclosed (home built 1999)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,837 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 homeThis 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): $4,167/yr
Estimated taxes if purchased at asking price: ~$8,800/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 27, 2026Listed$550,000
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
Listing Courtesy of: RE/MAX UNLIMITED
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 Ocean Palms
Ocean Palms is a neighborhood in St. Johns County, FL (St. Johns County), ZIP 32080.
View all Ocean Palms homes for sale →Keep looking
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For Sale700 El Vergel LaneSt. Augustine, FL 32080
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For Sale949 N Griffin Shores DriveSt. Augustine, FL 32080
4 bd · 4.5 ba · 4,382 sq ft
$3,700,000Est. $19,693/moLocated within the gated community of Ocean Palms, Griffin Shores Drive is one of the most desired addresses in St…
Listing Office: engel & volkers st augustine
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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
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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