15 RIO DEL NORTE ROAD, ST AUGUSTINE, FL, 32095
Active17 days on marketListed Oct 20, 2026MLS #FC322255
About this home
15 RIO DEL NORTE ROAD
Set along the Intracoastal Waterway in Palencia, this exceptional estate offers privacy, refined design, and timeless coastal living. Tranquil water views and unforgettable sunrises create a setting where morning walks and quiet moments overlooking the Intracoastal become part of everyday life. The expansive homesite offers flexibility for an additional structure, subject to approvals. Outdoors, a heated swimming pool with an expansive sun shelf features a custom screen that eliminates visible metal framing, preserving the setting's uninterrupted aesthetic. Every detail creates a sophisticated, inviting private waterfront retreat. **Thoughtful Design:** Front office with custom built-in bookcases - Updated stone fireplace - Custom shiplap dining room accent - Custom woodwork throughout - Oversized 8-foot doors - Downstairs wood-look tile flooring. **Private Owner's Retreat:** Primary suite with 12-foot ceilings and tray ceiling - Walk-in closet - Spa-inspired bath with soaking tub, walk-in shower, and dual-sink vanity. **Kitchen and Everyday Living:** Expansive kitchen with abundant workspace and storage - Extended-height cabinetry with glass-front upper cabinets - Stainless steel appliances - Natural gas service - Laundry room adjacent to the kitchen. **Guest Accommodations and Flexible Living:** Private guest suite near a full bath - Cabana bath serving bedrooms three and four - Upstairs bonus room that can serve as a fifth bedroom - Dedicated upstairs air-conditioning system - Terrace with elevated Intracoastal views. **Resort-Inspired Outdoor Living:** Heated pool with expansive sun shelf and depths of approximately 3.5 to 6 feet - Custom pool enclosure with concealed metal framing - Outdoor kitchen with natural gas grill and double-burner cooktop - Custom outdoor fireplace - Generous lawn and outdoor living areas rarely found alongside a pool and Intracoastal views. **Comfort and Peace of Mind:** Whole-house generator with automatic transfer switch - Tankless natural gas water heater. **The Palencia Lifestyle:** Palencia offers a residential experience inspired by historic town centers and Florida's Intracoastal corridor. Amenities balance recreation, wellness, and community connection, including three swimming pools, a fitness center, athletic fields, tennis and pickleball facilities, pocket parks, and approximately 30 acres of parks, trails, and boardwalks. A fishing pier and boardwalk along the Tolomato River connect residents with the natural landscape. The Palencia Club offers championship golf, dining, and social experiences. Its Arthur Hills-designed course winds through mature oak trees along the Intracoastal Waterway, complemented by extensive practice facilities. From mornings on the courts and trails to afternoons by the water and evenings enjoying community social offerings, Palencia embodies a distinctive approach to Northeast Florida living.
Facts & features
The home at a glance
5
Bedrooms
4
Bathrooms
3,219
Sqft
1.45 ac
Lot size
3
Garage
2018
Year built
Two
Levels
$606
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.
$14,337 /mo · 10% down Conventional, 30-yr fixed at 7.5%
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
$14,337/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.
Can I afford this home? → See what you can comfortably afford from your income, debts and savings.
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
$606 vs $239
Days on market
17 vs 44 typical
Where $606/sqft sits among the 180 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.
The numbers that matter
The St Augustine market
$384K → $426K
St Augustine median sold, yr/yr
97.2%
Sale-to-list ratio (12 mo)
87 of 180
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 327% above the St Augustine 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
Kevin Johnson
CEO & Managing Broker · CENTURY 21 Edge
Tours, negotiation, and every question about 15 RIO DEL NORTE ROAD — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 15 RIO DEL NORTE ROAD — before you fall in love.
See it in person
Schedule a tour
Live availability from Kevin's calendar — pick a time and it's booked. Confirmation lands in your inbox immediately.
Straight answers
15 RIO DEL NORTE ROAD FAQs
What would the monthly payment be for 15 RIO DEL NORTE ROAD?+
With 10% down on a 30-year Conventional loan at 7.5%, the all-in payment lands around $14,337/mo — principal and interest, the actual property-tax bill, the $8/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 15 RIO DEL NORTE ROAD?+
The association fee works out to $8 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 15 RIO DEL NORTE ROAD?+
The most recent tax bill on record (2025) was $14,003. 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 15 RIO DEL NORTE ROAD?+
The listing reports pets: Number Limit. 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 $1,950,000, this home is listed about 327% above the St Augustine median of $457,000. The market section on this page shows how the area is trending.
Keep looking
Similar homes nearby
Listing courtesy of KELLER WILLIAMS ST. JOHNS · Christina Welch. MLS #FC322255.
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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