Single Family Residence in Palencia, St. Augustine · No CDD · FEMA Zone X
Palencia · St. Augustine, FL 32095 · St. Johns
Listing data updated July 10, 2026 · refreshed twice daily
4Bedrooms
4.5Bathrooms
3,811Sq Ft
2015Year Built
$407Per Sq Ft
Private pool3-car garageNo CDDFEMA Zone X4 bedrooms
Highlights
No CDD assessment on record
FEMA Zone X — flood insurance generally not federally required
Built 2015 · 11 yrs
3,811 sq ft of living area
3-car garage
$407/sq ft — compared with the displayed median of $267 from recent nearby sales
Listed at $1,550,000 — recent neighborhood median sale price ~$775,000 (nearby sales; deemed reliable, not an appraisal)
New to market
HOA ~$50/mo (estimate; confirm)
This listing is shown at $1,550,000, with 4 bedrooms and 4.5 bathrooms, and 3,811 square feet. The page displays an estimated monthly payment, FEMA flood-zone information, estimated ownership costs, a source-tagged Momentum Fact Check, and recent comparable-sale data where available. All estimates should be independently verified.
Momentum Snapshot
The whole picture, at a glance
Property
Bedrooms4
Bathrooms4.5
Living area3,811 sq ft
Year built2015
Property typeSingle Family Residence
Financial
Est. monthly payment$9,771
Est. taxes / yr~$13,330
Est. insurance / yr~$6,315
HOA$50/mo
CDDNone on record
Price / sq ft$407
Risk
Flood zoneZone X · minimal hazard (FEMA)
Ground elevation~15 ft
Wind exposureCoastal — obtain a quote
Insurance (est.)~$6,315/yr
Market
Days on market6
Neighborhood median DOM59
Active listings (area)37
Months of supply4.2
Comparable-sales median$775,000
This home6d
Area median59d
Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Visual snapshot
The numbers, at a glance
Flood risk
Zone X
Minimal hazard, outside the SFHA per FEMA
Est. insurance
~$6,315/yr
Estimated homeowners premium; get a real quote.
Months of supply
4.2 mo
Under 3 months typically favors sellers; 3–6 is balanced; over 6 favors buyers.
Market activity
39/100
Balanced market — from supply, under-contract share, and days on market.
Estimated monthly payment
$9,771/mo
Principal & interest $8,084/mo83%
Taxes $1,111/mo11%
Insurance $526/mo5%
HOA $50/mo1%
Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Momentum Scores
Momentum Property Score
39/100
Strongest on: Flood safety (95), Insurance cost (79)
A rules-based composite of the objective indicators below — each computed from listing facts, public records, and recent nearby sales, not opinion.
How to read it: a higher score means more of these objective measures line up in a buyer’s favor — for example, priced competitively against recent nearby sales, lower carrying costs, or lower flood risk. A lower score means fewer do. It reflects only the indicators below — not the home’s quality, condition, or desirability, and nothing about who should live there.
Price vs area0
This home $407/sq ft vs area median $267/sq ft from recent nearby sales.
Affordability0
List price $1,550,000 vs area median $775,000. Not a measure of personal affordability.
Flood safety95
FEMA Zone X, ~15 ft elevation. Verify the parcel with FEMA.
Insurance cost79
From FEMA Zone X and a 2015 build. Obtain a property-specific quote.
Market liquidity51
Area median 59 days on market, ~4.2 months of supply.
Investment metrics40
Objective supply and demand metrics for the area - not investment advice.
Renovation upside11
From a 2015 build and $407/sq ft vs area $267/sq ft. Not a condition assessment.
Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent nearby sales. They are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
Listing facts & disclosures
$1,550,000
List price
As listed in the MLS
4 / 4.5
Bed / bath
Per the listing
3,811
Living area
Sq ft (approx.)
$407
Price / sq ft
List ÷ living area
The home
Year built2015
Per public record.
Property typeSingle Family Residence
Per the listing.
Costs
HOA$50/mo
Disclosure — confirm exact dues and inclusions.
CDD assessmentNone on record
Estimate/disclosure — confirm the parcel's actual CDD with the county.
Est. first-year tax~$13,330/yr
Opinion/estimate at typical county millage — your assessed bill will differ. Do not rely on this.
Site & risk
FEMA flood zoneZone X · minimal hazard (FEMA)
From the FEMA flood map; verify the parcel.
Ground elevation~15 ft
Approximate parcel elevation (USGS).
WindstormModerate
Coastal exposure varies; obtain an insurer quote.
Please note. Figures such as estimated taxes, insurance, CDD/HOA amounts, payments, and any market or comparable-sales summary are opinions and estimates for general information only, may be inaccurate, are not appraisals or advice, and should not be relied upon. Verify everything independently before making any decision.
How this home's list $/sq ft compares with recent nearby closed sales, and how prices in the community have moved. Public-record reference only — not an appraisal or a statement of value.
This home's $/sq ft vs. nearby sales
Recent sold prices in this community
The Messtimate™
The Messtimate: $895,585 – $1,139,489
This is a deliberately dumb estimate — living area times a range of recent neighborhood $/sq ft, and nothing else. It is not an appraisal, not market value, and not a valuation of this home. Even a tight range from comparable sales can’t price a specific home — here’s why.
$895,585the mess$1,139,489
Actual list price: $1,550,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 27% spread on the same house — and that gap is exactly what an automated guess can't see:
Condition & updates — a renovated kitchen, new roof, or older interior finishes can swing value six figures. Sq ft can't see it.
The lot — a premium waterfront, conservation, or cul-de-sac lot vs. a road-facing one: same sq ft, very different price.
Outliers skew it — one flip or one distressed sale in the comps drags the whole $/sq ft up or down.
Layout & beds/baths — two homes at 2,000 sq ft with 3/2 vs. 4/3 don't sell for the same number.
Views & orientation — golf, water, or preserve views aren't in the square footage.
Upgrades & systems — solar, pool, impact windows, new HVAC: real money, invisible to a calculator.
Unpermitted or mismeasured sq ft — public records are often wrong, and unpermitted additions don't count.
Carrying costs — CDD bonds, HOA dues, and flood-zone insurance change what a buyer will actually pay.
Timing & concessions — the market moves monthly, and seller-paid rate buydowns hide the true price.
School zoning & micro-location — one street over can mean a different school, and a different price.
And here's what the live market is doing — which the number above ignores entirely:
This home: 6 days on market vs. a ~59-day neighborhood median
37 active listings competing in Palencia
17 under contract now
31% of for-sale inventory is currently under contract (under contract + pending, as a share of all for-sale inventory)
≈4.2 months of supply (one market-context metric; should not be used alone)
Median sale price is up 135% over the last 147 months
Homes here sell at about 97.5% of list price
105 closed here in the last 12 months
For reference, this home is listed at $1,550,000 ($407/sq ft) — a number set with analysis a Messtimate can't do.
Want a property-specific review from a licensed agent? A Momentum Realty agent will do a real, free comparative market analysis — walking the home, the lot, the condition, and the live market. That's the difference between a Messtimate and a valuation.
Methodology: 3,811 sq ft × $235–$299/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated July 10, 2026.
Market analysis
Palencia market analysis
Local market conditions - current inventory and, where available, recent trends. Reference only, not a forecast or valuation. Source: realMLS (Northeast Florida Multiple Listing Service).
37Active listings
17Under contract
0New this month
4.2Months of supply
59Median days on market
31%Under-contract share
Current area inventory and velocity from live MLS counts. Reference only, not a forecast or valuation.
Median sale price
Median $/sq ft
Median days on market
Homes sold per month
Property timeline
This home’s history
2015BuiltPer public record
NowActiveCurrently for sale
Build year is from public record. Listing milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
If you rent it out
Investment snapshot
Objective rental and cash-flow estimates for a buyer weighing this as an investment. Rough figures for general information only — not a guarantee of rent, an appraisal, or investment advice. Verify independently.
Estimated rent$7,104 – $10,333/moa rough gross-rent-yield range on list price (comp-based estimate coming).
Estimated cap rate4.8%Net operating income ÷ list price; excludes financing.
Est. monthly cash flow−$2,872 – +$34At 25% down, 30-yr; after a 10% vacancy/maintenance/management reserve.
Momentum Fact Check
Every number, sourced
We separate what is listing data, what comes from public records, what we calculate or estimate, and what a buyer should verify. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
List price$1,550,000
Bed / bath4 / 4.5
Living area3,811 sq ft
Year built2015
Property typeSingle Family Residence
MLS #2153761
Listing statusNew — 6 days on market
Days on market6
Public records & third-party data
FEMA flood zoneZone X
Ground elevation~15 ft
CountySt. Johns
Estimated first-year tax~$13,330/yr
CDD assessmentNone on record
HOA (estimate)$50/mo
Calculated estimates
Price per sq ft$407
Estimated monthly payment$9,771
Estimated insurance~$6,315/yr
Messtimate rangeNot available on this page
Comparable-sales median$775,000
Buyer should verify Buyer verify
Exact HOA dues, fees, and restrictionsRoof age and conditionHVAC age and conditionA property-specific insurance quoteSurvey and lot boundariesPermit historyFlood-insurance requirementsSchool zoning (confirm with the district)Property taxes after sale (homestead reset)CDD / community assessmentsSquare footage and room dimensions
No surprises at closing
Estimate a monthly payment
A tool to estimate a monthly payment. All values are editable estimates, not a loan offer or a statement about this property. Property tax, insurance, CDD, and HOA figures are approximations — verify each independently.
Estimated monthly payment
$9,771
Principal & interest$8,084
Property tax$1,111
Insurance$526
CDD assessment$0
HOA$50
PMI$0
Down payment $310,000 · Loan $1,240,000. Estimate only — not a loan offer. We'll connect you with a local lender for an exact quote.
Estimated ownership costs
Estimated costs & disclosures
Estimates and disclosures for general information only. These are opinions/approximations, not guarantees, and should not be relied upon — confirm every figure with the county, your lender, and an insurer.
Property tax reset
~$13,330/yr
The seller likely pays less due to the homestead cap. At a $1,550,000 purchase, expect your first full-year St. Johns bill near $13,330 before exemptions.
CDD assessment
None
No CDD assessment on record for this community.
Insurance
~$6,315/yr
Estimate for a 2015 build in St. Johns. Newer construction and wind-mitigation features lower premiums. Flood not mandated (Zone X).
HOA
$50/mo
Covers the master association & common areas. Confirm exact dues and what they include.
Environmental data
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
FEMA flood zone
Zone X
From the FEMA National Flood Hazard Layer. In this zone lender-required flood insurance is generally not mandated; confirm for the parcel.
Ground elevation
~15 ft
Approximate parcel elevation from USGS. Run --online for a live reading.
Windstorm / insurance
Obtain a quote
This is a coastal Florida county. Premiums and coverage vary by home; obtain a quote from a licensed insurer.
Market data · public records
Recent sales activity in Palencia
Recent comparable closed sales near this home, from public records. Summary figures are for general reference only and are not a valuation of this property. See the Palencia neighborhood guide for more.
Comparable sales found
3
Recent nearby closings in the data set.
Median sale price (set)
$775,000
Median closed price of the comparable set. Reference only.
Median $/sq ft (set)
$267
Median $/sq ft of the comparable set. Reference only.
This home $/sq ft
$407
List price divided by living area. Provided as data, not a value judgment.
Go deeper on Palencia
See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Jan 2026 · Parks Amenities
Nothing Putt Fun & Games mini-golf venue wins rezoning near Palencia
St. Johns County commissioners unanimously approved rezoning for Nothing Putt Fun & Games, a roughly 54,000-square-foot entertainment complex planned on US-1 N about a mile south of Palencia. Plans call for a 16,000-square-foot building with an indoor course, restaurant, arcade, food trucks and an outdoor course. The developer hoped to break ground by the end of 2026 with an estimated eight-month build.
Why it matters: A new recreation and dining venue this close to the community could add nearby leisure options that area listings may reference, though timing depends on the developer closing on the land and starting construction.
Jersey Mike's Subs opens at Shoppes at Palencia Commons
Jersey Mike's Subs held a grand opening Dec. 4 at 120 Palencia Village Drive in the Publix-anchored Shoppes at Palencia Commons. It is the chain's fourth St. Augustine location. The Palencia Commons center fronts US-1 N and serves as the community's main retail node.
Why it matters: Additional dining at the community's anchor center may broaden the everyday-convenience mix that buyers weigh when comparing nearby neighborhoods.
The Palencia Club sold to Heritage Golf Group for $19.5 million
Jacksonville-based Hampton Golf sold The Palencia Club on Oct. 28 to Heritage Golf Group of Herndon, Virginia, for $19.5 million as part of a three-course, $45.5 million transaction. The private club features an 18-hole Arthur Hills course and a 33,000-square-foot clubhouse. Heritage said early capital-improvement plans for the clubs are in discussion.
Why it matters: A new operator signaling reinvestment could affect the on-site golf and clubhouse amenities that figure into how the community is positioned, though specific upgrades had not been announced.
Nothing Putt Fun & Games entertainment complex proposed on US-1 near Palencia
Plans surfaced for Nothing Putt Fun & Games, a 36-hole miniature golf and entertainment complex proposed at 7250 and 7280 US-1 N, roughly a mile south of Palencia. The concept paired indoor and outdoor courses with a restaurant and arcade. The project later advanced to rezoning approval in early 2026.
Why it matters: Early-stage commercial proposals along the US-1 corridor near the community indicate continued interest in nearby retail and leisure development that could shape the area's amenity base over time.
Schools currently assigned to this address in St. Johns County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
Palencia Elementary SchoolPublic K-5 · St. Johns County School District
Pacetti Bay Middle SchoolPublic 6-8 · St. Johns County School District
Allen D. Nease High SchoolPublic 9-12 · St. Johns County School District
How it stacks up
Comparable recent sales
Recent closed sales nearby, with photos, so you can compare. Sold prices are public record, deemed reliable but not guaranteed.
Sold Jun 2026
$870,000
159 LA MESA Drive, St. Augustine
4 / 3 bd/ba · 3,257 sq ft · $267/sq ft
Courtesy of EXP REALTY LLC · View details →
Sold Jun 2026
$775,000
63 DERECHO LANE, St. Augustine
4 / 4 bd/ba · 2,912 sq ft · $266/sq ft
Courtesy of JPAR CITY AND BEACH · View details →
Sold Jun 2026
$773,000
170 ANTOLIN Way, St. Augustine
4 / 4 bd/ba · 2,864 sq ft · $270/sq ft
Courtesy of KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINE · View details →
Median of the set: $267/sq ft. Shown for general reference only — this is not an appraisal or a statement of this home's value. Sold prices are public record and deemed reliable but not guaranteed.
Keep looking
Similar homes for sale near Palencia
Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.
A neutral list of items to confirm for any home. This is general guidance, not advice about this specific property.
Confirm roof age and condition during inspection.
Confirm HVAC age and condition during inspection.
Request current HOA documents before relying on dues or restrictions.
Obtain an insurance quote for this specific property.
Confirm school zoning directly with the district.
Order a survey to confirm lot boundaries.
Review permit history with the county.
Confirm whether flood insurance is required for this parcel.
Confirm square footage and room dimensions independently.
Ask the county how property taxes may change after a sale.
Listing description
About this home
Perfectly positioned on a private preserve lot, this stunning custom-built pool home is a rare find in Palencia.
Surrounded by towering oaks and tropical palms, the nearly half-acre lot offers exceptional privacy on a quiet street of just sixteen homes.
Built by Cottage Home Company as a model home, this thoughtfully designed floor plan offers an open-concept layout with four bedrooms, a study, a bonus room, and over 3,800 square feet of living space.
Designed for year-round indoor/outdoor living, a pocketing sliding glass wall opens to a covered lanai. The backyard is a private oasis featuring a heated saltwater pool and spa with water and fire features.
A detached cabana includes a full outdoor summer kitchen with a wraparound bar, a fireplace, ambient lighting, surround sound and an automated sunshade. Fully fenced and lushly landscaped, the backyard is a true sanctuary complete with a barrel sauna & landscape lighting Inside, a stunning barrel foyer with intricate floor-to-ceiling paneling leads into the family room anchored by a gas fireplace & built-in bookcases.
The chef's kitchen features stacked cabinetry with slow-close drawer banks, roll-out shelving, marble countertops and a 9-foot island breakfast bar. Top-of-the-line Thermador appliances - including a six-burner gas cooktop and built-in refrigerator - make this space as functional as it is beautiful.
Elevated finishes are found throughout, including cased windows, 8-foot doors, crown molding, wainscoting, tongue-and-groove ceilings, automated window shades, plantation shutters and custom closets.
A hidden stairwell leads to a double bonus room with a full bath, walk-in closet, and covered balcony overlooking the private backyard.
A hallway with a built-in drop zone leads to a split 3-car garage complete with an EV charging plug, epoxy flooring, and overhead storage.
Exterior upgrades include a well for irrigation, a mosquito misting system, a whole-house generator, phantom screens, automated screens, security cameras, a paver driveway, and travertine pool decking - to name a few.
The exterior of the home is freshly painted, and a new roof is scheduled to be installed before closing.
Located inside the gates of Palencia, residents enjoy access to world-class amenities: an A-rated elementary school, a championship Arthur Hills-designed golf course, a fitness center, three community pools, lighted clay tennis courts, pickleball, sports fields, fitness trails, pocket parks, and a boardwalk leading to the Intracoastal. This is the home you've been waiting for.
Description provided by EXP REALTY LLC and reproduced from the MLS; not independently verified.
The full spec sheet
Property details & features
Interior
Bedrooms4
Bathrooms4.5
Living area3,811 sq ft
Exterior & lot
TypeSingle Family Residence
Systems
Year built2015
Age11 yrs
Listing
MLS #2153761
StatusActive Under Contract
Days on market6
Nearby & commute
Approximate distances
Approximate drive times for general reference only.
AT&T Fiber covers much of NE Florida. Run --online or confirm at the address.
Cable
Likely
Xfinity/Spectrum cable broadband is widely available.
5G Home
Backup
T-Mobile / Verizon fixed-wireless as a backup option.
Transparency
Price & listing history
Listed for $1,550,000Momentum Realty · on market 6 days
Public records
Building permits
Permit history not yet linkedAdd county permit records via overrides
Answered before you ask
Frequently asked questions
Why might my property taxes differ from the current owner's?
Florida's Save Our Homes rule caps annual assessment increases for homesteaded owners, and the assessment can be re-set after a sale. As a result a new owner's bill may differ from the seller's. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Where does the flood-zone information come from?
The flood designation shown (Zone X) comes from the FEMA flood map and is provided for general information. Confirm the parcel's status with FEMA and your insurer.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
Ready when you are
See 122 SENORA Court in person
Private tours available 7 days a week, in person or by live video walkthrough. Request a tour or send a question and a licensed Momentum Realty agent will follow up.
Momentum Realty · licensed in FL & GA
Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply a typical county millage rate to the list price and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.
Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email and we will review and correct or remove it promptly.
Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.
Sold price and details are from public records and the MLS, deemed reliable but not guaranteed. Shown for comparison only — not an appraisal or a statement of this home's value.
