listed Oct 9, 2026Single Family Residence▼ Price cut: $7,100 (10/20)
$459,900
5-Bedroom Home in Cordova Palms
54 Torres Trace, St. Augustine, FL 32095
Single Family Residence in Cordova Palms, St. Augustine · No CDD on record · Built 2024
Cordova Palms · St. Augustine, FL 32095 · St. Johns County
Listing data checked against the MLS October 29, 2026 at 1:25 AM ET · rechecked hourly
Listed by HERRON REAL ESTATE LLC (MLS) · Page maintained by Momentum Realty (EAB RE Investments LLC) · Brittany Brooks, broker of record
5Bedrooms
3Bathrooms
2,487Sq Ft
2024Year Built
$185Per Sq Ft
2-car garageNo CDD on recordFEMA Zone X5 bedrooms
How to read this page: MLS listing facts carry their source; everything else is labelled as a public record, a calculation, an estimate, or something to verify. Where local data is too thin to support a number, the page says so instead of guessing.
3% below
$/sq ft vs community
$185 here vs $191 median sold (12 mo)
Buyer leverage
Buyer advantage
19 days on market
10.5 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
Zone X
Flood risk
Minimal hazard per FEMA; ~32 ft elevation
$1k–$2k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
54 TORRES Trace in Cordova Palms, St. Augustine is listed at $459,900 (2,487 sq ft, about $185 per sq ft). That sits within a few percent of Cordova Palms's median closed sale of $430,490 over the last 12 months (24 recorded sales). It has been listed Oct 9, 2026, well inside the community's typical 55 days. Listing facts: built in 2024, HOA dues of $72/mo. The parcel maps to FEMA flood zone X, outside the special flood hazard area. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
No CDD assessment on record
Built 2024 · 2 yrs
2,487 sq ft of living area
2-car garage
Listed at $459,900 — recent neighborhood median sale price ~$430,490 (nearby sales; deemed reliable, not an appraisal)
listed Oct 9, 2026
HOA $72/mo (per listing)
School district: St. Johns County SchoolCommunity built 2023–2026Saltwaters Shooting Club · 4 min driveHangar One Bistro · 5 min driveRefuel Coffee Co. · 6 min drive
Listing description
About this home
Welcome to this beautiful, nearly new Pulte Trailside model in St. Augustine! This spacious 2,487 sq.
ft. home features a thoughtfully designed layout with one bedroom and a full bathroom downstairs, ideal for guests or multigenerational living, plus a spacious loft upstairs offering additional flexible living space. The primary suite features a luxurious walk-in Super Shower.
Enjoy the convenience of a water softener system throughout the entire home and an extended garage providing additional space. The screened, covered lanai features a natural gas connection for your BBQ and overlooks a beautiful preserve, offering peaceful views and added privacy. The backyard provides ample space to create your own outdoor retreat and make it your style, with a natural preserve behind the property where no homes can be built.
Located in a desirable community with amenities including pickleball, a dog park, and a covered community terrace. Conveniently located near historic downtown St. Augustine,
All 68 photos
Description provided by HERRON REAL ESTATE LLC and reproduced from the MLS; not independently verified.
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$459,900
Bed / bath5 / 3
Living area2,487 sq ft
Year built2024
Property typeSingle Family Residence
Garage2-car
MLS #2168502
Listing statuslisted Oct 9, 2026
Public records & third-party data
FEMA flood zoneZone X
Ground elevation~32 ft
CountySt. Johns
Area listings21 active · 8 under contract
Estimated first-year tax~$5,525/yr
CDD assessmentNone on record
HOA$72/mo
Calculated estimates
Price per sq ft$185
Estimated monthly payment$3,187
Insurance (illustrative)$1k–$2k/yr
Messtimate range$425,277 – $457,608
Comparable-sales median$430,490
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
Financing
Estimated monthly payment
$3,187/mo
Principal & interest $2,527/mo79%
Taxes $460/mo14%
Insurance $127/mo4%
HOA $72/mo2%
$3,187/mo at 20% down, 30-yr @ 7.32% · edit any field to update.
Estimate: asking price less the $50,000 homestead exemption × St. Johns County rate (13.47 mills, adopted 2025 millage). Not a bill.
⚠️
Property taxes in Florida are reassessed after a sale, so a buyer’s first full-year bill can be higher than the seller’s. Budget from this estimate, not the current bill, before you make an offer.
Current owner’s estimated bill $4,700/yr ($392/mo) — taxable value $349,779 × 13.47 mills
$825 more each year
(+18%)
Most of this comes from Florida’s Save Our Homes assessment cap resetting when the home sells — the current owner’s protected assessment does not transfer to a new buyer.
🛡️
Current ownerProtected by Save Our Homes
🔄
Home sellsResets the January after
🧾
Buyer paysBased on purchase price
$50,722
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.
$400,501
Market value
$400,501
Assessed
$349,779
Taxable
Certified 2025 tax roll values for this parcel (Florida DOR). The roll gives values, not the bill; the current owner’s bill above is estimated from the taxable value.
Sources: Florida DOR certified tax roll (2025), realMLS; millage: St. Johns County Property Appraiser, FY2025-26 adopted budget. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill; the county property appraiser and tax collector set the actual amount.
What it really costs to own 54 Torres Trace
The parts of the monthly number a mortgage calculator leaves out, from this listing's MLS record, the county tax roll, Citizens and FEMA. Property facts only.
Property tax
The current owner's bill is about $4,700/yr (certified county roll, taxable value × millage). Buy at the asking price of $459,900 and the first-year bill resets to about $5,525/yr (the parcel is matched to the certified roll; asking price less the $50,000 homestead exemption × 13.47 mills); Save Our Homes caps later increases at 3%/yr.
HOA dues
$72/month per the listing record. Dues cover what the association documents say they cover; ask for the budget and reserve study before you close.
Home and flood insurance
The average Citizens Property Insurance premium in Saint Johns County is $1,378/yr (977 policies, Citizens detail by county, April 2026); private-market quotes differ by roof age, wind mitigation and distance to the coast. The page's modeled range for this home is $1,000–$2,000/yr; neither is a quote. Flood: this address maps to FEMA zone X, outside the high-risk zone; flood insurance is optional but most lenders and insurers recommend it. Statewide, a zone X flood policy runs about $500–$700/yr (FEMA Risk Rating 2.0 averages, not a quote).
Roof and age
Built in 2024. A newer roof and current wind-mitigation features usually mean the lower end of insurance quotes; ask for the wind-mitigation form.
Estimated carrying cost at the asking price, before the mortgage: about $647/month (tax $460, HOA $72, insurance $115). An estimate from the sources above, not a quote; the monthly-cost calculator on this page adds the loan.
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.
CDD assessment
None on record
No CDD assessment appears in our records for this community. CDD assessments show on the county tax bill — confirm with the tax collector.
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
$72/mo
Per the MLS listing. Confirm exact dues and what they include with the association.
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
~32 ft
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Windstorm / insurance
Obtain a quote
St. Johns County is on the Florida coast; wind coverage is a major part of the premium. Premiums and coverage vary by home (roof age, wind mitigation, claims history); obtain a quote from a licensed insurer.
Hazard risk
Natural hazard risk
FEMA National Risk Index for St. Johns County, FL: overall Relatively Moderate. Ratings compare this county with every county in the United States for expected annual loss from each hazard.
HurricaneRelatively High
Coastal floodingRelatively High
Inland floodingRelatively Moderate
Heat waveRelatively Moderate
WildfireRelatively Moderate
TornadoRelatively Moderate
LightningRelatively High
Strong windRelatively Low
DroughtRelatively Low
HailVery Low
Cold waveVery Low
Source: FEMA National Risk Index (county level, hazard risk ratings only). Ratings describe the county, not this parcel; the flood zone shown above is parcel-specific. Verify insurance requirements with your lender and agent.
Connectivity
Internet & broadband
Fiber
Check availability
Address-level fiber service is not confirmed for this home. Check the FCC National Broadband Map (broadbandmap.fcc.gov) or the provider for this address.
Cable
Check availability
Cable broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
Fixed wireless / satellite
Check availability
5G home internet and satellite service depend on the exact location; check coverage for this address.
Momentum Research · Cordova Palms
Pricing & the Cordova Palms market
How this home is priced against recent nearby sales, and where Cordova Palms 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.
Property timeline
This home’s history
2024BuiltPer public record
About Oct 2026Listed (per MLS)Approximate list date from the MLS cumulative days-on-market count (<span class="mw-dom" data-listed="2026-10-09" data-fmt="dom">listed Oct 9, 2026</span>)
Oct 8, 2026First seen on movewithmomentum.comObserved at $474,900
Oct 15, 2026Price cut$467,000 (-$7,900, -1.7%)
Oct 20, 2026Price cut$459,900 (-$7,100, -1.5%)
NowActiveCurrently for sale
Build year is from public record. The MLS list date is approximate (today minus the cumulative days on market the MLS reports, which can span relistings). Other 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.
Transparency
Price & listing history
Listed for $459,900Momentum Realty · listed Oct 9, 2026
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
How it stacks up
Comparable recent sales
6 closed sales in Cordova Palms in the last 18 months — same property type, living area within 30% of this home. Sold prices are MLS closed-sale records, deemed reliable but not guaranteed.
Sold Jun 2026
$370,000
70 TORRES Trace, St. Augustine
5 / 3 bd/ba · 2,487 sq ft · $149/sq ft
· View details →
Sold Mar 2026
$427,000
198 SALAZAR Street, St. Augustine
4 / 3 bd/ba · 2,500 sq ft · $171/sq ft
· View details →
Sold Nov 2025
$455,000
38 MARTOS Court, St. Augustine
4 / 3 bd/ba · 2,500 sq ft · $182/sq ft
· View details →
Sold Nov 2025
$460,000
410 SALAZAR Street, St. Augustine
4 / 3 bd/ba · 2,500 sq ft · $184/sq ft
· View details →
Sold Feb 2026
$440,000
807 CORDOVA PALMS Parkway, St. Augustine
4 / 3 bd/ba · 2,500 sq ft · $176/sq ft
· View details →
Sold May 2026
$486,224
386 VILLANUEVA Trail, St. Augustine
4 / 3 bd/ba · 2,500 sq ft · $194/sq ft
· View details →
Median of these 6 sales: $430,490 ($191/sq ft). Stronger local evidence. Shown for general reference only — not an appraisal or a statement of this home’s value.
The Messtimate™ · automated estimate
The Messtimate
Our automated estimate of the likely sale-price range for this home — modeled from recent closed sales nearby adjusted to today's market, a local size-and-age model, and the county tax roll. It is an estimate, not an appraisal, not market value, and not an offer. A licensed agent's CMA sees the condition, the lot, and the live market that a model can't.
$448,800the mess$516,300
Strong local evidence — built from 20 comparable closed sales in Cordova Palms (same property type, closed within the last 18 months, each adjusted to today's market); the St. Johns County 2025 tax roll just value ($400,501) × the local sale-to-roll ratio of 40 nearby sales.
Track record: across 2,976 recent closed sales we scored, the closed price landed inside the Messtimate range 57% of the time; median miss 9.3% (closed sales statewide, FL + GA feeds that permit an automated estimate). Re-scored weekly; last 2026-10-24.
Actual list price: $459,900 ($185/sq ft) — the seller's asking price is not an input to this range; compare the two.
A 15% spread on the same house — here is what a model can't see:
Condition & updates — a renovated kitchen or new roof vs. dated finishes can swing value six figures.
The lot & views — a premium golf, water, or preserve lot vs. a road-facing one.
Carrying costs & concessions — this home carries HOA dues of $72/mo; insurance, CDD/HOA and seller-paid buydowns change what a buyer actually pays.
And what the live market is doing right now:
This home: listed Oct 9, 2026 on market vs. a 56-day community median
18 active listings competing, 11 under contract
≈10.5 months of supply
12 closed here in the last 12 months
Want a property-specific value 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.
Methodology: 20th–80th percentile band combining time-adjusted $/sq ft of comparable closed sales (20) + tax-roll just value × local sale-to-roll ratio (40 sales, double weight); MLS closed-sale records and the FL DOR 2025 certified tax roll. Automated valuation model output for general information only — not an appraisal, not market value, not an offer, and not reviewed by a licensed appraiser. Updated October 28, 2026.
Momentum Scores
Momentum Property Score
59/100
Strongest on: Flood safety (95), Insurance cost (80)
0 limited50100 exceptional
59/100 is solid, mid-pack 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 area58
This home $185/sq ft vs the community 12-month median $191/sq ft.
Affordability39
List price $459,900 vs the community median $430,490. Not a measure of personal affordability.
Flood safety95
FEMA Zone X, ~32 ft elevation. Verify the parcel with FEMA.
Insurance cost80
From FEMA Zone X and a 2024 build. Obtain a property-specific quote.
Market liquidity33
Community median 56 days on market, ~10.5 months of supply (12-month record).
Pricing power51
Recent sales closed at about 97.8% of original asking (~2.2% below). More room below asking generally favors buyers.
Coverage: 6 of 8 indicators had valid data for this home; indicators without data are left out, not scored as zero. Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent comparable sales. They do not measure property condition, quality, or investment suitability, and they are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
Momentum Research
The Momentum read
🟢 Buyer-leaning conditions around this listing. 10.5 months of supply in the surrounding market and 19 days on market for this home, against a 56-day area median.Days on market:this home 19Area median: 56 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 October 27, 2026.
🟡 Asking $185 per square foot, about 3% below the community’s $191 median. Cordova Palms’s 12-month median sold price per square foot is $191. Confidence: High · 24 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.
56% of homes in Cordova Palms are owner-occupied. An estimated 44% are non-owner-occupied, including 4% held in a company or trust and 0% out-of-state owners.Why it matters: a high owner-occupied share typically means fewer rentals nearby and steadier resale demand.Source: Florida Department of Revenue 2025 assessment roll (public records), 48 homes matched. Community-level context.
Recent Cordova Palms sales closed near 97.8% 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 October 27, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 21 active listings in Cordova Palms, no CDD assessment.
Checked against the MLS October 29, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by HERRON REAL ESTATE LLC · MLS # 2168502
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Keep looking
Similar homes for sale near Cordova Palms
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.
299 Appaloosa Avenue, St. Augustine · $699,000 · 4 bd / 3.0 ba · listed October 28, 2026 (courtesy of ONE SOTHEBY'S INTERNATIONAL REALTY)
16114 Harbour Vista Way, St. Augustine · $286,500 · 2 bd / 2.0 ba · listed October 28, 2026 (courtesy of KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINE)
222 Hasler Avenue, St. Augustine · $503,990 · 4 bd / 3.5 ba · listed October 28, 2026 (courtesy of LENNAR REALTY INC)
804 Doral Court, St. Augustine · $650,000 · 3 bd / 2.0 ba · listed October 28, 2026 (courtesy of KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINE)
667 Scrub Jay Drive, St. Augustine · $229,000 · 2 bd / 2.5 ba · listed October 28, 2026 (courtesy of FLORIDA HOMES REALTY & MTG LLC)
43 Tyson Court, St. Augustine · $339,900 · 3 bd / 2.0 ba · listed October 27, 2026 (courtesy of KELLER WILLIAMS ST JOHNS)
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Aug 2026 · Schools
St. Johns County school board moves ahead with design of SilverLeaf-area high school costing about $100 million
The board approved moving forward with design and architecture for a high school on Parcel 38, with cost estimated at roughly $100 million and possibly up to $120 million as design progresses. Construction is expected to take about three years. A board workshop on full project scope is being prepared.
Why it matters: A new high school in the SilverLeaf area would add school capacity for the fast-growing northwest part of the county. The project is about 12 miles west of Cordova Palms, elsewhere in St. Johns County.
CR 210 widening westbound lanes set to reopen in St. Johns County
News4Jax reported that all westbound lanes of the County Road 210 widening project in St. Johns County were expected to reopen by the end of Friday, July 31, 2026, ahead of the August 10 school year start. The county said it is managing 44 active road projects totaling $183.1 million this year.
Why it matters: Expands roadway capacity on a major county corridor, improving traffic flow and supporting continued growth along the CR 210 area. The project is about 8 miles northwest of Cordova Palms, elsewhere in St. Johns County.
Six agricultural enclave projects seek to develop 6,500-plus acres in St. Johns County
Jacksonville Today reported that St. Johns County received six proposals totaling more than 6,558 acres for development under a new Florida agricultural enclave law that took effect July 1, 2026. The largest proposal, about 4,462 acres north of Nocatee, comes from the Davis family and the PARC Group. The County Commission scheduled a public hearing on the proposals for August 19, 2026.
Why it matters: Signals a large potential expansion of developable land and future housing and commercial capacity, using a new state process that can convert farmland to residential and commercial use with reduced local review. The site is about 7 miles north of Cordova Palms.
Publix opens and more retailers coming to Marketplace at Nocatee
An official Nocatee business update reported that a Publix supermarket with a pharmacy drive-thru and adjacent Publix Liquors has opened at Marketplace at Nocatee. Additional announced tenants include SoFresh in late summer 2026, a Gate gas station, BODYBAR Pilates, a nail spa and a wine and spirits shop. The Hub at Nocatee entertainment concept is slated for 2028.
Why it matters: Expands grocery, dining and everyday retail capacity at a growing town center, adding anchor and service tenants that build out the commercial base of the area. The project is about 9 miles north of Cordova Palms, elsewhere in St. Johns County.
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.
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
CrookshankAssigned elementary school · St. Johns County School District · Grade B (Florida DOE 2025-26)
GRADEA
SebastianAssigned middle school · St. Johns County School District · Grade A (Florida DOE 2025-26)
GRADEA
St. AugustineAssigned high school · St. Johns County School District · Grade A (Florida DOE 2025-26)
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
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 7 min
Dining
Hangar One Bistro 5 min
Shopping
Shoppes of Northtowne 9 min
Parks
Saltwaters Shooting Club 4 min
Nearby & guides
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Items worth confirming for 54 TORRES Trace, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 2024: confirm the roof and HVAC install dates and whether any builder or manufacturer warranty transfers.
HOA dues are listed at $72/mo: request the current budget, reserves, and rules before relying on that figure or on any restriction.
FEMA flood zone X: flood insurance is not usually required, but get a quote anyway — FEMA reports roughly one in four flood claims come from outside high-risk zones.
Get a homeowners insurance quote for this specific address in St. Johns County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
Listed living area is 2,487 sq ft: verify it against the property appraiser's record and measure before relying on it.
Order a survey to confirm lot boundaries and easements.
Review permit history with the county.
Property taxes: the estimate on this page (about $5,525/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $825 more per year than the current owner’s estimated bill (+18%). Exemptions and portability change the actual bill — confirm with the county property appraiser.
School zoning shown here comes from district data and changes; confirm the assigned schools directly with the district before relying on them.
Provenance
Data sources & freshness
Listing record
realMLS, checked against the MLS hourly (last: October 29, 2026)
Comparable sales
realMLS closed sales in Cordova Palms, last 18 months, as of October 27, 2026
Flood zone & elevation
FEMA flood maps + USGS elevation (Zone X shown above)
Taxes & monthly cost
Certified county tax roll (parcel-matched) × county millage; an estimate, not a bill
Insurance figure
Modeled estimate; obtain a real quote before offering
Schools
2025-26 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
How big is 54 TORRES Trace and when was it built?
Per the listing record, 54 TORRES Trace was built in 2024 and has 2,487 sq ft of living area, 5 bedrooms and 3.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 54 TORRES Trace in?
54 TORRES Trace is in Cordova Palms in St. Augustine, St. Johns County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Does 54 TORRES Trace have an HOA, and how much are the dues?
The listing reports HOA dues of $72 per month. Dues, what they cover, and the community's rules should be confirmed from the association's current documents before relying on them.
Why might property taxes on 54 TORRES Trace differ from the current owner's?
The estimate on this page (about $5,525 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $825 more per year than the current owner’s estimated bill (+18%). Florida reassesses a home after it sells; for a homesteaded seller the Save Our Homes cap on their assessment does not transfer, and a buyer's own exemptions and portability are applied separately, so the two bills usually differ. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 54 TORRES Trace in a flood zone?
The FEMA flood map places this parcel in Zone X, outside the special flood hazard area, so flood insurance is not usually required by a lender. It is still available and worth quoting; 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 54 TORRES Trace 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.
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 county millage to the list price (less the homestead exemption where the parcel is matched to the certified roll) 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 jon@movewithmomentum.com 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.
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.
