130 CALLE EL JARDIN UNIT 104, ST AUGUSTINE, FL, 32095
Active4 days on marketListed Sep 16, 2026MLS #FC321272
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Upcoming open house
Sun, Sep 27
1:00 AM – 4:00 PM
About this home
130 CALLE EL JARDIN UNIT 104
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. Relax on the screened lanai with its new ceiling fan, or enjoy the added privacy of the pocket door connecting the primary suite to its bathroom. Hurricane shutters are conveniently stored in the lanai closet. The condo also includes covered parking, with accessible parking located nearby, and the association manages the termite bond. Avila residents enjoy a private neighborhood pool along with access to Palencia’s outstanding amenities, including family and adult pools, a splash pad, waterslide, fitness center, lap pool, pickleball and tennis courts, playgrounds, athletic fields, community classes and events. Explore the nearly one-mile Tolomato River Boardwalk through Palencia’s natural marsh setting to the fishing pier along the Intracoastal Waterway. Membership opportunities are also available at the Arthur Hills-designed Palencia Club golf course. Palencia Elementary is located within the community, while Publix, Starbucks, restaurants, salons, and everyday services are just outside the neighborhood. Flagler College, historic downtown St. Augustine, Northeast Florida beaches, I-95, and Jacksonville are all within convenient reach. This move-in-ready condo brings together thoughtful updates, ground-floor convenience, gated privacy, and the resort-style Palencia lifestyle.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,383
Sqft
2005
Year built
One
Levels
$188
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.
$2,736 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
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
Estimated payment
$2,736/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. 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.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
$/sqft vs St Augustine actives
$188 vs $238
Days on market
4 vs 37 typical
Where $188/sqft sits among the 187 St Augustine actives
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Palencia
Get to know St Augustine. See the full St Augustine guide →
Palencia — neighborhood snapshot
Population
3,434
Median age
43
Median income
$115,574
Median home value
$629,100
Avg household
3
Households w/ children
490
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 → $390K
St Augustine median sold, yr/yr
97.0%
Sale-to-list ratio (12 mo)
68 of 187
St Augustine actives have cut their price
Median sold price, St Augustine, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 32% below the ST AUGUSTINE 32095 median. See the full St Augustine market guide →
Paper trail
This home's history
Reality check
What actually sold near 130 CALLE EL JARDIN UNIT 104
Asking prices are opinions — closed sales are facts. The most comparable homes that actually changed hands nearby in the last twelve months.
Sold · Aug ’26$289,990
308 PALMETTO RIDGE ROAD
3 bd · 2.5 ba · 1,308 sqft · $222/sqft · 16 DOM
Sold · Jul ’26$279,000
304 PALMETTO RIDGE ROAD
3 bd · 2.5 ba · 1,308 sqft · $213/sqft · 35 DOM
Sold · Aug ’26$277,990
296 PALMETTO RIDGE ROAD
3 bd · 2.5 ba · 1,308 sqft · $213/sqft · 45 DOM
Closed-sale data from the MLS, last 12 months, selected for similarity in size and location. No two homes are identical — ask us for a full comparative analysis.
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
Zack Zonker
President Tampa Division · CENTURY 21 Edge
Tours, negotiation, and every question about 130 CALLE EL JARDIN UNIT 104 — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 130 CALLE EL JARDIN UNIT 104 — before you fall in love.
See it in person
Schedule a tour
Live availability from Zack's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
130 CALLE EL JARDIN UNIT 104 FAQs
What would the monthly payment be for 130 CALLE EL JARDIN UNIT 104?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $2,736/mo — principal and interest, the actual property-tax bill, the $439/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 130 CALLE EL JARDIN UNIT 104?+
The association fee works out to $439 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 130 CALLE EL JARDIN UNIT 104?+
The most recent tax bill on record (2025) was $5,907. 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 130 CALLE EL JARDIN UNIT 104?+
The listing reports pets: Breed Restrictions, Cats OK, 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 $259,900, this home is listed about 41% below the St Augustine median of $439,000. The market section on this page shows how the area is trending.
Which schools are assigned to 130 CALLE EL JARDIN UNIT 104?+
Palencia Elementary School (elementary), Allen D Nease Senior High School (high), First Coast Technical College (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
Three things that matter here
01Under the ST AUGUSTINE 32095 market on paper
$259,900 is 32% below the ST AUGUSTINE 32095 median of $380,000, and at $188/sqft it sits under the St Augustine average of $330.
02Fresh on the market
Only 4 days on market in a St Augustine market that averages 37 — if it fits, move quickly.
03Strong assigned schools
Palencia Elementary School, Allen D Nease Senior High School, First Coast Technical College, Mky- Head Start /Dpp Pk School — Palencia Elementary School rates 4 of 5. Always verify assignments with the district.
Keep looking
Similar homes nearby
Listing courtesy of ONE SOTHEBYS INTERNATIONAL · Elizabeth Kelly. MLS #FC321272.
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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