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List Price

$259,900

130 Calle El Jardin Unit 104, St Augustine, FL 32095

12 days on market

Estimated Payment

$2,975/mo

20% down and current market rates

Bedrooms3 bdBathrooms2 baLiving area1,383 Square FeetUSDA-eligible areaUSDA-eligible areaYear builtBuilt 2005

Listed by

Elizabeth Kelly

ONE SOTHEBYS INTERNATIONAL

Listed by another brokerage. HomeJam connects you directly with the listing side.

Buy this home your way.

Tour it. Make an offer yourself or bring your agent. Sign and close through HomeJam.

  • Tour directly
  • Make your offer
  • Bring your agent
  • Close in one place

Enjoy easy, low-maintenance living in this beautifully refreshed ground-floor condo within Avila at Palencia, a private gated condominium community. Offering 3 bedrooms, 2 full bathrooms, and 1,383 square feet, the Cordoba floor plan features a desirable split-bedroom layout with no stairs and convenient step-out access. The freshly updated interior includes luxury vinyl plank flooring, new blinds, fresh paint, two new bathroom vanities, brushed-nickel faucets, new showerheads, two new toilets in July, 2026, updated lighting, and ceiling fans. The kitchen offers granite countertops, along with a new refrigerator installed in January 2026 and a microwave installed in August 2026. The HVAC was replaced in 2023 and professionally serviced in August 2026.

130 Calle El Jardin Unit 104, St Augustine, FL 32095 in St Augustine, FL 32095 is listed for $259,900. The home has 3 bedrooms, 2 bathrooms, and 1,383 square feet, and was built in 2005. Listed 12 days ago. The listing is held by ONE SOTHEBYS INTERNATIONAL.

Interested? Here's what happens next.

From showing to closing, HomeJam keeps the process moving.

  1. 1

    TOUR

    Step 1

    Tour the Home

    Pick a time and verify your identity. HomeJam sends the request to the listing side.

  2. 2

    OFFER

    Step 2

    Make Your Offer

    Choose your price, financing, deposit, closing date and terms.

  3. 3

    AGREE

    Step 3

    Agree on Terms

    The seller can accept, counter or decline until both sides agree.

  4. 4

    SIGN

    Step 4

    Sign Online

    HomeJam prepares the Purchase Agreement from the agreed terms for electronic signature.

  5. 5

    CLOSE

    Step 5

    Close

    HomeJam keeps your closing, documents, milestones and next steps together.

Understand the Cost of This Home

Property Costs

Annual property tax$5,907 (tax year 2025)
HOA fee$879 per month

Do not rely on the reported annual tax as what you would pay. A change of ownership triggers reassessment, so the tax bill after a sale is often higher than the current owner pays.

Monthly Cost Estimate

Monthly Cost Estimate

An estimate of your monthly payment for this home, with 20% down on a Conventional loan, based on today's published rate.

Illustrative estimate

Loan Program

Choose a loan type to see how it changes the estimate.

20%

Down payment (20% of price): $51,980

$

$2,975/moest.

  • Principal & Interest 47%
  • Property Taxes 17%
  • Insurance 7%
  • HOA 30%
Principal & Interest
$1,387
Property Taxesfrom listing
$492
Insurance
$217
HOA
$879

30-year fixed at 7.03%, as of September 24, 2026

At 20% down, a loan on this home is conforming.

Assumptions

Conventional: upfront fee none, annual mortgage insurance none; fee schedule effective January 1, 2026.

Mortgage rate: 7.03% for a 30-year fixed loan, published September 24, 2026. Your actual rate depends on your credit, loan type, and lender.

Down payment: 20% of the list price. PMI is included when the down payment is below 20%.

Property taxes: based on the listing's reported annual tax. Taxes are often reassessed after a sale, so your amount may differ.

Home insurance: estimated at about 1% of the price per year. Florida premiums frequently run higher than the national average -- get a real quote before relying on this number.

HOA dues: taken from the listing's association fees. One-time special assessments and capital contributions are not included.

Affordability bands: based on common debt-to-income guidelines (about 28% of income toward housing, 36% toward total debt). Individual lenders set their own limits.

This is an illustrative estimate, not a Loan Estimate, quote, or credit decision. It uses common debt-to-income guidelines and the current published 30-year rate. Actual costs and loan terms require pre-qualification with a licensed lender.

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Frequently Asked Questions

The estimated monthly payment is $2,975, based on 20% down at current market rates. This is an estimate and does not include every cost of ownership.

The annual property tax is $5,907 for tax year 2025. Do not rely on this amount as what you would pay. A change of ownership triggers reassessment, so the tax bill after a sale is often higher than the current owner pays. Contact the county property appraiser for an estimate.

Use the Schedule a Tour button on this page to submit a tour request. HomeJam forwards your request to the listing brokerage for this home.

Yes. You can submit an offer through HomeJam on this page, with or without a buyer's agent. If you already work with an agent, they can make offers and manage the transaction for you through HomeJam too.

Once you and the seller agree on terms, HomeJam prepares the Purchase Agreement using those terms. After both sides eSign, your transaction moves into HomeJam's closing experience with documents, milestones, and next steps organized in one place.

Data courtesy of Stellar MLS as distributed by MLS GRID as of Sep 26, 2026 6:01 AM ET through Sep 27, 2026 6:01 AM ET. MLS# MFR804943214. HomeJam is not the listing broker.

List Price

$259,900

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