$1,125,000
266 SOPHIA Terrace, St. Augustine, FL 32095
Palencia
- Price
- $1,125,000
- Beds / Baths
- 4 / 3
- Living area
- 2,983 sqft
- Year built
- 2016
- Type
- Residential
- Lot
- 0.78 ac
- Garage
- 2
- HOA
- $13/mo
- CDD
- Yes
- Flood zone
- Unknown
- County
- St. Johns
- Days on market
- 120
- Elementary
- Palencia
- Middle
- Pacetti Bay
- High school
- Allen D. Nease
This one owner custom built concrete block construction residence offers the perfect blend of modern luxury & secluded tranquility. Set on a sprawling premier .78-acre lot in sought after Palencia, the home is reached via a private, winding driveway and offers breathtaking views of both the lake and lush, mature trees. Key Highlights: Unrivaled Privacy: One of the most secluded lots in Palencia, featuring a fenced-in sparkling pool and expansive treed views. Architectural Excellence: 12' to 14' ceilings throughout create an airy, grand atmosphere, complemented by concrete block construction with energy-efficient spray foam insulation. Chef's Dream Kitchen: A massive center island serves as the heart of the home, featuring a reverse osmosis water system and a one-year-old commercial refrigerator. Versatile Living: 4 bedrooms plus a dedicated home office with French doors. Includes a desirable main-floor in-law/guest suite with a private en-suite bath. Peace of Mind: Fully equipped with hurricane-grade windows and an over-sized garage and additional guest parking. Experience the "Palencia Lifestyle" in a home that feels like a private retreat while having access to nearby resort style amenities.
What to check on this one
- Verify exact flood zone designation and elevation certificate requirement for waterfront lot.
- Pull CDD bond payoff amount and confirm annual assessment fees beyond $13/mo HOA.
- Inspect roof age, warranty, and insurer acceptance of concrete block construction.
- Confirm pool equipment age, maintenance history, and current insurance rider coverage.
- Review Palencia HOA docs for waterfront restrictions, rental rules, and special assessments.
- Verify reverse osmosis system and commercial refrigerator warranties and service contracts.
Flagged from the listing itself — not an inspection, and no substitute for one. Bring these to the showing.
What this home really costs per month
Loan $900,000 at 6.75% · 30 yr
Not a loan quote. Rate, insurance, and tax are stated assumptions — a lender and an insurance agent give real numbers. Homestead exemption lowers taxes after you file.
Listing courtesy of FLORIDA HOMES REALTY & MTG LLC. Data via realMLS (Northeast Florida MLS), updated Aug 31, 2026, 12:30 AM.
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