84 SAN TELMO COURT, ST AUGUSTINE, FL, 32095
Pending290 days on marketListed Oct 6, 2025MLS #FC313222
About this home
84 SAN TELMO COURT
ASSUMABLE, VERY LOW RATE! Welcome to 84 San Telmo Court, located in the exclusive gated community of Palencia. This 5-bedroom, 4-bath home offers over 3,300 square feet of thoughtfully crafted living space, including a spacious 3-car garage. Inside, the open floor plan showcases a gourmet kitchen with quartz countertops, 42'' cabinetry, a 5-burner gas range, and an oversized island that flows seamlessly into the dining and living areas—ideal for gatherings and everyday living. The luxurious owner's suite provides a private retreat with a spa-inspired bath and generous walk-in closet. Additional bedrooms and baths offer comfort and flexibility for family and guests, while a paved and screened lanai extends your living space outdoors. Living in Palencia means enjoying resort-style amenities at your fingertips,community pools, a state-of-the-art fitness center, tennis courts, golf course, and scenic trails. Perfectly situated near top-rated schools and just minutes from historic downtown St. Augustine and the beaches, this home offers both elegance and convenience in one of Northeast Florida's most desirable communities.
Facts & features
The home at a glance
5
Bedrooms
4
Bathrooms
3,381
Sqft
0.19 ac
Lot size
3
Garage
2018
Year built
Two
Levels
$198
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$4,488 /mo · 10% down Conventional, 30-yr fixed at 6%
The assumptions
Above the FHA loan limit for our service areas, so Conventional is the default. VA buyers: switch below — $0 down.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
FHA isn’t available at this price — the loan would exceed the $541,287 FHA limit for our service areas.
Estimated payment
$4,488/mo
Includes estimated PMI — it drops off once you reach 20% equity. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Where it sits
Inside St Augustine
Get to know St Augustine. See the full St Augustine guide →
ST AUGUSTINE 32095 — neighborhood snapshot
Population
18,927
Median age
42.2
Median income
$124,556
Median home value
$485,700
Avg household
2.9
Households w/ children
2,464
For the school run
St. Johns County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The St Augustine market
$450K → $400K
St Augustine median sold, yr/yr
96.9%
Sale-to-list ratio (12 mo)
Median sold price, St Augustine, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 127% above the ST AUGUSTINE 32095 median. See the full St Augustine market guide →
Paper trail
This home's history
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Rui Ma
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 84 SAN TELMO COURT — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 84 SAN TELMO COURT — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Rui's phone and CRM.
Straight answers
84 SAN TELMO COURT FAQs
What would the monthly payment be for 84 SAN TELMO COURT?+
With 10% down on a 30-year Conventional loan at 6%, the all-in payment lands around $4,488/mo — principal and interest, the actual property-tax bill, the $149/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at 84 SAN TELMO COURT?+
The association fee works out to $149 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 84 SAN TELMO COURT?+
The most recent tax bill on record (2024) was $3,824. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 84 SAN TELMO COURT?+
The listing reports pets: Dogs OK. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in St Augustine?+
At $669,000, this home is listed about 52% above the St Augustine median of $439,900. The market section on this page shows how the area is trending.
Which schools are assigned to 84 SAN TELMO COURT?+
Palencia Elementary School (elementary), First Coast Technical College (high), Allen D Nease Senior High School (high), Mky- Head Start /Dpp Pk School () — St. Johns County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Positioned at the premium end
$669,000 runs 127% above the ST AUGUSTINE 32095 median — but at 3,381 sqft it's also nearly twice the size of the typical St Augustine listing.
02Time on market is leverage
290 days on market against a St Augustine median of 39 — sellers in this position are usually ready to negotiate.
03Strong assigned schools
Palencia Elementary School, First Coast Technical College, Allen D Nease Senior High School, Mky- Head Start /Dpp Pk School — Palencia Elementary School rates 4 of 5. Always verify assignments with the district.
04The price has already moved
Listed at $729,000, now $669,000 — a $60K cut. The full history is in the market section below.
Listing courtesy of COLDWELL BANKER VANGUARD REALTY · Stacey Burkins. MLS #FC313222.
IDX information is provided exclusively 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. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
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