Listing data updated July 23, 2026 · refreshed twice daily
3Bedrooms
3Bathrooms
3,916Sq Ft
2014Year Built
$204Per Sq Ft
2-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.
24% below
$/sq ft vs community
$204 here vs $270 median sold (12 mo)
Buyer leverage
Seller-leaning
3 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
$2k–$5k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
Listed at $797,000 — recent neighborhood median sale price ~$814,000 (nearby sales; deemed reliable, not an appraisal)
New to market
HOA ~$50/mo (estimate; confirm)
Momentum Research · Palencia
Pricing & the Palencia market
How this home is priced against recent nearby sales, and where Palencia 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
2014BuiltPer 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.
Financing
Estimated monthly payment
$4,936/mo
Principal & interest $4,038/mo82%
Taxes $571/mo12%
Insurance $276/mo6%
HOA $50/mo1%
$4,936/mo at 20% down, 30-yr @ 6.52% · edit any field to update.
Strongest on: Price vs area (100), Flood safety (95)
0 limited50100 exceptional
72/100 is strong 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 area100
This home $204/sq ft vs the community 12-month median $270/sq ft.
Affordability53
List price $797,000 vs the community median $814,000. Not a measure of personal affordability.
Flood safety95
FEMA Zone X, ~20 ft elevation. Verify the parcel with FEMA.
Insurance cost79
From FEMA Zone X and a 2014 build. Obtain a property-specific quote.
Renovation upside32
From a 2014 build and $204/sq ft vs the community median $270/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.
Momentum Research
The Momentum read
🟠 Seller-leaning conditions around this listing. 4.0 months of supply in the surrounding market and 3 days on market for this home, against a 64-day area median.Days on market:this home 3Area median: 64 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 July 23, 2026.
🟡 Asking $204 per square foot, about 24% below the community’s $270 median. Palencia’s 12-month median sold price per square foot is $270. MLS facts: realMLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
Updated July 23, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Listing description
About this home
Located in Crosswinds at Palencia on Market Street, this Work/ Live and Townhome is the perfect combination of living and investment. The first floor is commercial office space and an above garage studio apartment, this tri-level home is perfect for a homeowner that wants to have their business office downstairs, or an on-site investment opportunity. The second story is a living space with a modern bright kitchen, granite countertops and an oversized great room.
On the third floor are two luxury ensuite bedrooms with multiple walk in closets, both with walk in showers and an adjacent laundry room. Over the two car garage across the courtyard is a separate studio apartment, perfect as a rental investment or an amazing guest suite. Clubhouse, golf, tennis, pool, fitness center and shops all within walking distance.
2 of 3 Units Rented. Also listed as Residential Income at MLS #2154955
Description provided by EXP REALTY LLC 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$797,000
Bed / bath3 / 3
Living area3,916 sq ft
Year built2014
Property typeTownhouse
Garage2-car
MLS #2154957
Listing statusNew — 3 days on market
Public records & third-party data
FEMA flood zoneZone X
Ground elevation~20 ft
Windstorm exposureModerate
CountySt. Johns
Estimated first-year tax~$6,854/yr
CDD assessmentNone on record
HOA (estimate)$50/mo
Calculated estimates
Price per sq ft$204
Estimated monthly payment$4,936
Insurance (illustrative)$2k–$5k/yr
Messtimate range$1,045,572 – $1,104,312
Comparable-sales median$814,000
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
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.
$1,045,572the mess$1,104,312
Actual list price: $797,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 6% 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:
35 active listings competing, 18 under contract
105 closed here in the last 12 months
For reference, this home is listed at $797,000 ($204/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: 3,916 sq ft × $267–$282/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated July 23, 2026.
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.
Listed for $797,000Momentum Realty · on market 3 days
Public records
Building permits
Permit history not yet linkedAdd county permit records via overrides
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.)
~$6,854/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)
$2k–$5k/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. 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.
Connectivity
Internet & broadband
Fiber
Check availability
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.
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
5
Recent nearby closings in the data set.
Community median sale price
$814,000
Canonical 12-month median closed price. Reference only.
Community median $/sq ft
$270
Canonical 12-month median $/sq ft. Reference only.
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.
GRADEA
PalenciaAssigned elementary school · St. Johns County School District · Grade A (Florida DOE 2025-26)
GRADEA
Pacetti BayAssigned middle school · St. Johns County School District · Grade A (Florida DOE 2025-26)
GRADEA
Allen D. NeaseAssigned 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 →
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 Jul 2026
$975,000
771 CYPRESS CROSSING Trail, St. Augustine
4 / 4 bd/ba · 3,266 sq ft · $299/sq ft
Courtesy of LPT REALTY LLC · View details →
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 Jul 2026
$814,000
524 SEBASTIAN Square, St. Augustine
4 / 3 bd/ba · 2,885 sq ft · $282/sq ft
Courtesy of THE VIRTUAL REALTY GROUP · 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 →
Community 12-month median: $270/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$3,653 – $5,313/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−$1,396 – +$98At 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.
realMLS, refreshed twice daily (last: July 23, 2026)
Community market stats
realMLS closed sales, as of July 23, 2026
Flood zone & elevation
FEMA flood maps + USGS elevation (Zone X shown above)
Taxes & monthly cost
Estimated from county rates; not a quote
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
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 634 MARKET Street 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 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.
