$797,000
634 MARKET Street, St. Augustine, FL 32095
Palencia
- Price
- $797,000
- Beds / Baths
- 3 / 4
- Living area
- 3,916 sqft
- Year built
- 2014
- Type
- Townhouse
- Lot
- 0.25 ac
- Garage
- 2
- HOA
- $806/mo
- CDD
- Yes
- Flood zone
- Unknown
- County
- St. Johns
- Days on market
- 52
- Elementary
- Palencia
- Middle
- Pacetti Bay
- High school
- Allen D. Nease
$204/sqft asking, vs a $213/sqft median across 153 closed sales in 32095 over the last 12 months — 5% below the area's closed prices. Condition and lot vary; that's what a showing is for.
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
What to check on this one
- Verify flood zone designation and obtain elevation certificate if AE/VE zone.
- Confirm CDD bond payoff amount and remaining assessment obligations.
- Review HOA docs for short-term rental restrictions on studio/commercial units.
- Obtain 4-point inspection and wind-mitigation report (2014 build qualifies).
- Verify roof age, material, and current insurance carrier acceptance.
- Confirm commercial use zoning compliance and tenant lease terms for income units.
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 $637,600 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 EXP REALTY LLC. Data via realMLS (Northeast Florida MLS), updated Aug 17, 2026, 12:08 PM.
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