3 bedroom Single Family Residence at 249 PALACE Drive, San Salito, St. Augustine — photo 1Front elevation
3 bedroom Single Family Residence at 249 PALACE Drive, San Salito, St. Augustine — photo 2Living space
3 bedroom Single Family Residence at 249 PALACE Drive, San Salito, St. Augustine — photo 3Kitchen
3 bedroom Single Family Residence at 249 PALACE Drive, San Salito, St. Augustine — photo 4Owner's suite
3 bedroom Single Family Residence at 249 PALACE Drive, San Salito, St. Augustine — photo 5Exterior / yardView all 57 photos →
10 days on market Single Family Residence Looking for newer single-story living in St. Augustine with comfort, flexibility, and a prime location? 249 Palace Dr delivers.
$399,000
3-Bedroom Home in San Salito

249 PALACE Drive, St. Augustine, FL 32084

Single Family Residence in San Salito, St. Augustine · No CDD
San Salito · St. Augustine, FL 32084 · St. Johns
Listing data updated August 19, 2026 · refreshed twice daily
3Bedrooms
2Bathrooms
1,604Sq Ft
2018Year Built
$249Per Sq Ft
Waterfront2-car garageNo CDDFEMA Zone X
Momentum Research: independent market analysis, flood data, insurance estimates, buyer leverage, and objective property scoring, alongside the MLS listing. Not just the listing sheet.
9% above
$/sq ft vs community
$249 here vs $229 median sold (12 mo)
Buyer leverage
Seller-leaning
10 days on market
4.0 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
Zone X
Flood risk
Minimal hazard per FEMA; ~20 ft elevation
$1k–$2k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
Above 6 of 12
Price vs recent sales
Asking $399k tops 6 of the last 12 closed sales

Sources: realMLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes

Highlights
  • No CDD assessment on record
  • Built 2018 · 8 yrs
  • 1,604 sq ft of living area
  • 2-car garage
  • Listed at $399,000 — recent neighborhood median sale price ~$387,000 (nearby sales; deemed reliable, not an appraisal)
  • 10 days on market
  • HOA ~$50/mo (estimate; confirm)
School district: County St. Johns County Florida Schools St. Johns County SchoolsCommunity built 2016–2020The Spot Cafe · 2 min driveSpeedway Food Mart · 3 min driveShoppes of Northtowne · 3 min drive
Momentum Research · San Salito

Pricing & the San Salito market

How this home is priced against recent nearby sales, and where San Salito has been over 25 years. Momentum Research analysis of realMLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.

This home’s $/sq ft vs. nearby sales

List $/sq ft against recent nearby closed sales; the community median is marked.

Price per sq ft · this home vs. recent nearby sales114 CODY Street114 CODY Street: $211/sq ft$21196 CODY Street96 CODY Street: $211/sq ft$21135 ROOT Lane35 ROOT Lane: $222/sq ft$222450 PALACE Drive450 PALACE Drive: $230/sq ft$230480 PALACE Drive480 PALACE Drive: $236/sq ft$236324 PALACE Drive324 PALACE Drive: $241/sq ft$241This homeThis home: $249/sq ft$249Community median $229

Price vs. size in San Salito

Each dot is a closed sale since 2015 (536 total). This home is the gold marker.

$153k$434k$715k1,4062,6073,808This home: $399,000, 1,604 sq ftThis homeSale price

Sale price (y) by living area in sq ft (x). realMLS closed sales.

Median $/sq ft by year

Community sold $/sq ft, 2015–2026. This home lists at $249/sq ft.

$104$178$2522015: $12520152016: $1182017: $12520172018: $1452019: $14920192020: $1462021: $16420212022: $2172023: $23720232024: $2382025: $21220252026: $2292026

Median sale price by year

12-month median closed price, 2015–2026.

$211k$336k$462k2015: $235k20152016: $237k2017: $247k20172018: $273k2019: $270k20192020: $274k2021: $299k20212022: $394k2023: $438k20232024: $422k2025: $401k20252026: $387k2026

Market Heat by year (0–100)

Momentum Market Heat, 2016–2026. Now 59 (normal).

1858992016: 3020162017: 532018: 4120182019: 402020: 3220202021: 682022: 9120222023: 682024: 3720242025: 262026: 592026
Property timeline

This home’s history

  • 2018BuiltPer public record
  • Aug 15, 2026First trackedObserved at $399,000
  • 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.

Financing

Estimated monthly payment

$2,516/mo
  • Principal & interest $2,053/mo 82%
  • Taxes $286/mo 11%
  • Insurance $127/mo 5%
  • HOA $50/mo 2%

$2,516/mo at 20% down, 30-yr @ 6.67% · edit any field to update.

Editable estimate — not a loan offer. Estimates only; see data & estimate notes.

Cost to own

Property taxes

✓ Based on certified county tax roll
Estimated property taxes after purchase
$4,700/yr
$392/mo·effective rate ~1.18%
Estimated from today’s asking price and current St. Johns County tax rates.
⚠️

Many first-time Florida buyers are surprised when property taxes jump after closing. This estimate helps you budget before you make an offer.

Current owner pays $1,900/yr ($158/mo)
+$2,800 more each year
(+147%)

Most of this comes from Florida’s Save Our Homes assessment cap resetting when the home sells — the current owner’s protected assessment doesn’t transfer to a new buyer.

🛡️
Current ownerProtected by Save Our Homes
🔄
Home sellsResets the January after
🧾
Buyer paysBased on purchase price
$201,565
Save Our Homes benefit
The current owner’s protected taxable value sits this much below market — which is why today’s bill is lower than a new buyer’s.
$342,914
Market value
$197,071
Assessed
$141,349
Taxable
Estimate my property taxes →

Adjust for your exemptions, portability, and down payment

Historical tax data loading…
A market / assessed / taxable trend chart appears here once the prior-year rolls are ingested.

Sources: Florida DOR certified tax roll (2025), realMLS. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill.

Momentum Scores

Momentum Property Score

52/100
Strongest on: Flood safety (95), Insurance cost (80)
0 limited50100 exceptional

52/100 is below average across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.

A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.

Price vs area28
This home $249/sq ft vs the community 12-month median $229/sq ft.
Affordability45
List price $399,000 vs the community median $387,000. Not a measure of personal affordability.
Flood safety95
FEMA Zone X, ~20 ft elevation. Verify the parcel with FEMA.
Insurance cost80
From FEMA Zone X and a 2018 build. Obtain a property-specific quote.
Market liquidity64
Community median 29 days on market, ~4.0 months of supply (12-month record).
Renovation upside10
From a 2018 build and $249/sq ft vs the community median $229/sq ft. Not a condition assessment.
Pricing power54
Recent sales closed at about 97.3% of original asking (~2.7% below). More room below asking generally favors buyers.
Market timing41
Momentum Market Heat is 59/100 (normal). Cooler readings generally favor buyers; hotter readings favor sellers.

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.

Momentum Research

The Momentum read

🟠 Seller-leaning conditions around this listing. 4.0 months of supply in the surrounding market and 10 days on market for this home, against a 29-day area median.Days on market:this home 10Area median:  29 daysWhy it matters: above-median time on market, together with the level of supply, is a clear sign of how much leverage sits with buyers.Momentum Research interpretation of the MLS facts in the snapshot above. Source: Data provided by realMLS. As of August 17, 2026.

🟡 Asking $249 per square foot, about 9% above the community’s $229 median. San Salito’s 12-month median sold price per square foot is $229. Median sold price per square foot is down 3.6% year over year. Confidence: Medium · 13 closed sales in 12 monthsMLS facts: realMLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.

Recent San Salito sales closed near 97.3% of original asking.Why it matters: the community’s own record shows how far opening prices typically move, and how often buyers compete without financing.Momentum Research analysis of realMLS records, community-level, 12 months ending August 17, 2026. Aggregates only; deemed reliable but not guaranteed.

What’s unique here: one of only 4 active listings in San Salito, no CDD assessment.

Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ

Updated August 19, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness

Listing description

About this home

Built in 2018 and located in Freedom at San Salito, this beautifully designed single-story home offers 3 bedrooms, 2 full baths, and 1,604 square feet of easy, functional living space. The open layout keeps everyday life simple, with no stairs and a natural flow between the main living areas. The bedroom setup gives you room for guests, a home office, hobbies, fitness, or the extra space everyone says they'll keep perfectly organized.

We all have dreams. Out back, the screened lanai and open patio are ready for quiet Florida mornings, golden evenings, weekend grilling, or simply enjoying the slower pace that makes this community so appealing. Set within the active-adult lifestyle section of Freedom at San Salito, this home offers a peaceful St.

Augustine setting without sacrificing convenience. You're located in Flood Zone X and just minutes from historic downtown St. Augustine, beaches, shopping, dining, medical services, and I-95.

If you've been waiting for a newer, single-story home in St. Augustine with low-maintenance appeal, flexible space, and a strong location, 249 Palace Dr belongs at the top of your list.

Description provided by KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINE and reproduced from the MLS; not independently verified.

Property facts & sources

Every fact, sourced

Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.

Listing facts MLS

List price$399,000
Bed / bath3 / 2
Living area1,604 sq ft
Year built2018
Property typeSingle Family Residence
Garage2-car
MLS #2152172
Listing status10 days on market

Public records & third-party data

FEMA flood zoneZone X
Ground elevation~20 ft
Windstorm exposureModerate
CountySt. Johns
Area listings4 active · 2 under contract
Estimated first-year tax~$3,431/yr
CDD assessmentNone on record
HOA (estimate)$50/mo

Calculated estimates

Price per sq ft$249
Estimated monthly payment$2,516
Insurance (illustrative)$1k–$2k/yr
Messtimate range$338,444 – $378,544
Comparable-sales median$387,000

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
Listing courtesy of KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINEProvided via the realMLS Internet Data Exchange · © 2026 Northeast Florida MLS, Inc. · deemed reliable but not guaranteed
The Messtimate™

The Messtimate

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.

$338,444the mess$378,544

Actual list price: $399,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.

A 12% spread on the same house — and that gap is exactly what an automated guess can't see:

  • Condition & updates — a renovated kitchen or new roof vs. dated finishes can swing value six figures; sq ft can't see it.
  • The lot & views — a premium golf, water, or preserve lot vs. a road-facing one: same sq ft, very different price.
  • Outliers skew it — one flip or distressed sale in the comps drags the whole $/sq ft up or down.
  • Carrying costs & concessions — CDD, HOA, insurance, and seller-paid buydowns change what a buyer actually pays.

And here's what the live market is doing — which the number above ignores entirely:

  • This home: 10 days on market vs. a 29-day community median
  • 4 active listings competing, 2 under contract
  • 4.0 months of supply
  • 12 closed here in the last 12 months

For reference, this home is listed at $399,000 ($249/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.

Selling your own home? Try the Messtimate on your address →

Methodology: 1,604 sq ft × $211–$236/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated August 19, 2026.

Keep looking

Similar homes for sale near San Salito

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.

Transparency

Price & listing history

Listed for $399,000Momentum Realty · on market 10 days
Public records

Building permits

Permit history not yet linkedConfirm permit history with the county building department.
Estimated ownership costs

Estimated costs & disclosures

Estimated ownership costs for general information. Confirm each with the county, your lender, and an insurer. See data & estimate notes.

Property tax (first-year est.)
~$3,431/yr

A rough first-year estimate only, applying a typical St. Johns rate to the list price before any exemptions. Florida bills vary substantially after reassessment, homestead and other exemptions, and local taxing districts — this is not your expected bill. Confirm with the county property appraiser.

CDD assessment
None

No CDD assessment on record for this community.

Insurance (illustrative range)
$1k–$2k/yr

An illustrative modeled range, not based on carrier underwriting and not a quote. Florida premiums vary significantly by roof age, wind-mitigation features, claims history, and carrier — a real quote can land well outside this range. Flood insurance not federally mandated (Zone X). Get a quote from a licensed insurer before relying on any figure.

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
~20 ft

Approximate parcel elevation from USGS; confirm exact elevation with a survey.

Windstorm / insurance
Obtain a quote

This is a coastal Florida county. Premiums and coverage vary by home; obtain a quote from a licensed insurer.

Connectivity

Internet & broadband

Fiber
Check availability

AT&T Fiber covers much of NE Florida; confirm availability at the address.

Cable
Likely

Xfinity/Spectrum cable broadband is widely available.

5G Home
Backup

T-Mobile / Verizon fixed-wireless as a backup option.

Market data · public records

Recent sales activity in San Salito

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 San Salito neighborhood guide for more.

Comparable sales found
6

Recent nearby closings in the data set.

Community median sale price
$387,000

Canonical 12-month median closed price. Reference only.

Community median $/sq ft
$229

Canonical 12-month median $/sq ft. Reference only.

Go deeper on San Salito

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.

What's nearby

Drive times to everyday places

Approximate driving times to verified nearby destinations. Estimates for general reference; actual times vary with traffic and route.

Groceries

  • Speedway Food Mart 3 min

Dining

  • The Spot Cafe 2 min

Shopping

  • Shoppes of Northtowne 3 min

Parks

  • Fort Mose Historic State Park 4 min
Assigned schools

Assigned schools

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.

GRADEB
Crookshank Elementary (St. Johns)Public K-5 · St. Johns County School District · Grade B (Florida DOE 2025-26)
GRADEA
Sebastian Middle School (St. Johns)Public 6-8 · St. Johns County School District · Grade A (Florida DOE 2025-26)
GRADEA
St. Augustine High School (St. Johns)Public 9-12 · St. Johns County School District · Grade A (Florida DOE 2025-26)
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.

Community 12-month median: $229/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.

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$1,829 – $2,660/moa rough gross-rent-yield range on list price (comp-based estimate coming).
Estimated cap rate4.7%Net operating income ÷ list price; excludes financing.
Est. monthly cash flow−$742 – +$6At 25% down, 30-yr; after a 10% vacancy/maintenance/management reserve.
Before you decide

Buyer research checklist

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.
Nearby & commute

Approximate distances

Approximate drive times for general reference only.

Provenance

Data sources & freshness

Listing recordrealMLS, refreshed twice daily (last: August 19, 2026)
Community market statsrealMLS closed sales, as of August 17, 2026
Flood zone & elevationFEMA flood maps + USGS elevation (Zone X shown above)
Taxes & monthly costEstimated from county rates; not a quote
Insurance figureModeled estimate; obtain a real quote before offering
Schools2025-26 district assignments; verify with the district

Momentum Research lines are our own analysis of realMLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.

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 249 PALACE Drive 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.

Call (904) 351-6461

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.

No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.

MLS / IDX. The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange (IDX) program of the Northeast Florida Multiple Listing Service, Inc. Real estate listings held by brokerage firms other than Momentum Realty are marked with the listing broker's name, and detailed information about such listings includes the name of the listing broker. Data provided is deemed reliable but is not guaranteed. The information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Source: realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

Listing data is deemed reliable but is not guaranteed and is subject to change or withdrawal without notice. Square footage and lot size are approximate. Real estate brokerage services provided by Momentum Realty, licensed in Florida and Georgia. © 2026 Move With Momentum LLC.