Single Family Residence in Palencia, St. Augustine · No CDD
Palencia · St. Augustine, FL 32095 · St. Johns
Listing data updated September 29, 2026 · refreshed hourly
5Bedrooms
3Bathrooms
3,083Sq Ft
2004Year Built
$263Per Sq Ft
3-car garageNo CDDFEMA Zone X5 bedrooms
Momentum Research: independent market analysis, flood data, insurance estimates, buyer leverage, and objective property scoring, alongside the MLS listing. Not just the listing sheet.
4% above
$/sq ft vs community
$263 here vs $253 median sold (12 mo)
Buyer leverage
Balanced market
71 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; ~29 ft elevation
$3k–$6k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
As of September 29, 2026, 828 RILEY Lane in Palencia, St. Augustine is listed at $810,000 (3,083 sq ft, about $263 per sq ft). That is 22% above Palencia's median closed sale of $665,000 over the last 12 months (114 recorded sales). It has been 71 days on market, longer than the community's typical 47 days to contract. Listing facts: built in 2004, HOA dues of $10/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 2004 · 22 yrs
3,083 sq ft of living area
3-car garage
Listed at $810,000 — recent neighborhood median sale price ~$665,000 (nearby sales; deemed reliable, not an appraisal)
71 days on market
HOA $10/mo (per listing)
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 Stellar MLS 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
2004BuiltPer public record
Jul 2, 2026First trackedObserved at $810,000 · 71 days on market
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
$5,252/mo
Principal & interest $4,324/mo82%
Taxes $580/mo11%
Insurance $337/mo6%
HOA $10/mo0%
$5,252/mo at 20% down, 30-yr @ 7.03% · edit any field to update.
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 $4,425/yr ($369/mo)
+$5,800 more each year
(+131%)
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
$288,183
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.
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.
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.
Momentum Scores
Momentum Property Score
56/100
Strongest on: Flood safety (95), Market timing (74)
0 limited50100 exceptional
56/100 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 area40
This home $263/sq ft vs the community 12-month median $253/sq ft.
Affordability14
List price $810,000 vs the community median $665,000. Not a measure of personal affordability.
Flood safety95
FEMA Zone X, ~29 ft elevation. Verify the parcel with FEMA.
Insurance cost72
From FEMA Zone X and a 2004 build. Obtain a property-specific quote.
Market liquidity62
Community median 47 days on market (12-month record).
Renovation upside24
From a 2004 build and $263/sq ft vs the community median $253/sq ft. Not a condition assessment.
Pricing power65
Recent sales closed at about 95.1% of original asking (~4.9% below). More room below asking generally favors buyers.
Market timing74
Momentum Market Heat is 26/100 (cold). 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
🟡 Balanced conditions around this listing. 4.0 months of supply in the surrounding market and 71 days on market for this home, against a 68-day area median.Days on market:this home 71Area median: 68 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. Based on Stellar MLS data distributed by MLS GRID for the period 2023 through 2026. As of August 2, 2026.
🟡 Asking $263 per square foot, about 4% above the community’s $253 median. PALENCIA’s 12-month median sold price per square foot is $253. MLS facts: realMLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
What’s unique here: one of only 35 active listings in PALENCIA, no CDD assessment.
Updated September 29, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Listing description
About this home
Welcome to 828 Riley Lane, a beautifully maintained executive home located within the gates of Palencia, one of Northeast Florida's premier golf course communities. Tucked away on a premium preserve homesite surrounded by mature trees and lush tropical landscaping, this home offers exceptional privacy and a backyard setting that is increasingly difficult to find. Inside, soaring ceilings, rich wood flooring, formal living and dining rooms, and a dedicated home office create an elegant yet functional floor plan.
The spacious kitchen features granite countertops, abundant cabinetry, a center island, breakfast bar seating, and seamless flow into the family room and outdoor entertaining spaces. The privately situated owner's retreat offers a peaceful escape with a spa-inspired bath featuring a soaking tub, walk-in shower, and generous closet space. Additional bedrooms provide flexibility for guests, family, hobbies, or work-from-home needs.
The true showpiece is the backyard. An expansi An expansive paver patio, custom putting green, firepit gathering area, covered lanai, and fully fenced yard overlook a heavily wooded preserve with no immediate rear neighbors, creating a peaceful, park-like setting that feels like your own private retreat. Whether entertaining guests or enjoying a quiet evening outdoors, this exceptional outdoor living space offers privacy rarely found in today's newer communities--and still provides room to add a pool.
Residents enjoy Palencia's outstanding amenities, including multiple pools, a water park, fitness center, tennis and pickleball courts, fishing pier, miles of walking and jogging trails, parks, playgrounds, and a semi-private championship golf course. Conveniently located near historic St. Augustine, area beaches, shopping, dining, and top-rated schools, this home offers the perfect blend of luxury, privacy, and lifestyle.
All 93 photos
Description provided by INTERNATIONAL GOLF REALTY 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$810,000
Bed / bath5 / 3
Living area3,083 sq ft
Year built2004
Property typeSingle Family Residence
Garage3-car
MLS #2151484
Listing status71 days on market
Public records & third-party data
FEMA flood zoneZone X
Ground elevation~29 ft
Windstorm exposureModerate
CountySt. Johns
Estimated first-year tax~$6,966/yr
CDD assessmentNone on record
HOA (per listing)$10/mo
Calculated estimates
Price per sq ft$263
Estimated monthly payment$5,252
Insurance (illustrative)$3k–$6k/yr
Comparable-sales median$665,000
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.
$687,509the mess$872,489
Actual list price: $810,000 — 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 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 — this home carries HOA dues of $10/mo; with insurance and any seller-paid buydown, that changes what a buyer actually pays, and a sq ft estimate ignores all of it.
And here's what the live market is doing — which the number above ignores entirely:
This home: 71 days on market vs. a 47-day community median
35 active listings competing, 12 under contract
110 closed here in the last 12 months
For reference, this home is listed at $810,000 ($263/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: 3,083 sq ft × $223–$283/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated September 29, 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.
271 Front Door Lane · $630,000 · 4 bd / 2.5 ba · listed September 8, 2026 (courtesy of REALTY ONE GROUP ELEVATE)
160 Parkside Drive · $729,000 · 4 bd / 3.0 ba · listed September 7, 2026 (courtesy of WATSON REALTY CORP)
200 Paseo Terraza #206 · $315,000 · 3 bd / 2.0 ba · listed September 6, 2026 (courtesy of MOXII PRO REALTY)
15 San Nueve Circle · $740,000 · 4 bd / 4.0 ba · listed September 2, 2026 (courtesy of OPENDOOR BROKERAGE, LLC.)
213 Spanish Marsh Drive · $2,500,000 · 4 bd / 4.5 ba · listed August 31, 2026 (courtesy of EXP REALTY LLC)
Transparency
Price & listing history
Listed for $810,000Momentum Realty · on market 71 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.)
~$6,966/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)
$3k–$6k/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
$10/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
~29 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.
Seen enough photos?
Want to see 828 RILEY Lane?
Tell us when works for you and a local agent will reach out to arrange a showing and answer your questions about this home.
Listed by INTERNATIONAL GOLF REALTY · MLS # 2151484
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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
4
Recent nearby closings in the data set.
Community median sale price
$665,000
Canonical 12-month median closed price. Reference only.
Community median $/sq ft
$253
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 Aug 2026
$790,000
612 GLORIETA Drive, St. Augustine
4 / 4 bd/ba · 2,882 sq ft · $274/sq ft
Courtesy of MEMORY HOPKINS REAL ESTATE · View details →
Sold Aug 2026
$1,143,750
341 VALE Drive, St. Augustine
4 / 3.5 bd/ba · 3,356 sq ft · $341/sq ft
Courtesy of REALTY ONE GROUP ELEVATE · View details →
Community 12-month median: $253/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.
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$3,712 – $5,400/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−$1,641 – −$122At 25% down, 30-yr; after a 10% vacancy/maintenance/management reserve.
Before you decide
Buyer research checklist
Items worth confirming for 828 RILEY Lane, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 2004 (22 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
HOA dues are listed at $10/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 3,083 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 $6,966/yr) assumes reassessment at the list price; the seller's homestead cap does not transfer, so their current bill is not a guide.
School zoning shown here comes from district data and changes; confirm the assigned schools directly with the district before relying on them.
Nearby & commute
Approximate distances
Approximate drive times for general reference only.
realMLS, refreshed hourly (last: September 29, 2026)
Community market stats
realMLS closed sales, as of August 2, 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
How big is 828 RILEY Lane and when was it built?
Per the listing record, 828 RILEY Lane was built in 2004 and has 3,083 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 828 RILEY Lane in?
828 RILEY Lane is in Palencia in St. Augustine, St. Johns County. The community section on this page shows recent closed sales, days on market, and active inventory for Palencia from the same MLS data.
Does 828 RILEY Lane have an HOA, and how much are the dues?
The listing reports HOA dues of $10 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 828 RILEY Lane differ from the current owner's?
The estimate on this page (about $6,966 per year) assumes reassessment at the list price. Florida's Save Our Homes rule caps annual assessment increases for homesteaded owners, and the assessment resets after a sale, so 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.
Is 828 RILEY Lane 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 828 RILEY Lane 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.
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.
