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Presented by
Katie Sparkman |
709 TORIA LANE, Saint Augustine, FL, 32095 | $639,875
Welcome to 709 Toria Lane, an exquisitely upgraded residence nestled within the beautiful gated community of Palencia in St. Augustine, Florida. Celebrated as one of Northeast Florida’s premier master-planned communities, Palencia offers a refined blend of resort-style amenities, lush natural surroundings, top-rated schools, and unmatched convenience to Jacksonville, JAX International Airport, Historic Downtown St. Augustine, the St. Augustine Private Airport, and the region’s untouched Atlantic beaches.
Designed for effortless single-level living, this beautifully maintained home features a flowing, open layout enhanced by newly installed luxury vinyl plank flooring. The spacious primary suite provides a serene retreat, complemented by a dedicated office, a warm gas fireplace and Zodiaq DuPont kitchen countertops. The seller has upgraded the whole-home Wi-Fi, and installed a comprehensive interior and exterior camera system. Serious Buyers Only Please
Thoughtful inclusions—four mounted TVs, washer and dryer, garage refrigerator, and Stearns & Foster primary bedroom furnishings—further elevate the home’s comfort and livability. The oversized backyard is an exceptional canvas for luxury outdoor living. A mud-set tiled patio, gas grill hookup, and flood lighting create an ideal foundation for future enhancements such as a pool, summer kitchen, or garden sanctuary. Major mechanical updates include an oversized 50-gallon AO Smith gas water heater (2022), a 2016 HVAC system with a new 2025 motor replacement, and a premium Benton Integrity roofing system with long-term transferable warranties (2025).
Life in Palencia embodies both elegance and recreation. Residents enjoy four swimming pools, tennis and pickleball courts, an expansive fitness center with classes, miles of scenic boardwalks and nature trails, as well as multiple parks, playgrounds, and dog parks. Optional Golf and Social Memberships at The Palencia Club provide access to a championship Arthur Hills-designed course and upscale dining and social experiences. Everyday conveniences—Publix, restaurants, boutiques, I-95, beaches, and essential services—are all just moments away.
Bonus offering: A 2014 Acura RDX with only 50, 000 miles is available for separate purchase at $25, 000. Photos available upon request.
Please ask your Realtor for a complete list of all features this exceptional property offers.
Features
- Rooms: 8
- Bedrooms: 3
- Baths: 2 full
- Laundry: Inside
- Year Built: 2003
- Garage: 2-car
- Heating: Electric
- Cooling: Central Air
- Approx Sq. Feet: 2,287
- Acreage: 0.23
- Est. Taxes: $6,308
- HOA Fee: $125 Annually
- Pet Policy: No
- Appliances: Dishwasher, Dryer, Electric Water Heater, Gas Water Heater, Microwave, Refrigerator, Washer
- MLS#: FC314490
- Days on Market: 93 days
- Website: https://www.raveis.com
/prop/FC314490/709torialane_saintaugustine_fl?source=qrflyer
William Raveis Family of Services
Our family of companies partner in delivering quality services in a one-stop-shopping environment. Together, we integrate the most comprehensive real estate, mortgage and insurance services available to fulfill your specific real estate needs.
Katie SparkmanSales Associate
203.981.4815
Katie.Sparkman@raveis.com
Our family of companies offer our clients a new level of full-service real estate. We shall:
- Market your home to realize a quick sale at the best possible price
- Place up to 20+ photos of your home on our website, raveis.com
- Provide frequent communication and tracking reports showing the Internet views your home received on raveis.com
- Showcase your home on raveis.com with a larger and more prominent format
- Give you the full resources and strength of William Raveis Real Estate, Mortgage & Insurance and our cutting-edge technology
To learn more about our credentials, visit raveis.com today.
Mace L. RattetVP, Mortgage Banker, William Raveis Mortgage, LLC
NMLS Mortgage Loan Originator ID 69957
914.260.5535
Mace.Rattet@raveis.com
Our Executive Mortgage Banker:
- Is available to meet with you in our office, your home or office, evenings or weekends
- Offers you pre-approval in minutes!
- Provides a guaranteed closing date that meets your needs
- Has access to hundreds of loan programs, all at competitive rates
- Is in constant contact with a full processing, underwriting, and closing staff to ensure an efficient transaction
Francine SilbermanVP, Mortgage Banker, William Raveis Mortgage, LLC
NMLS Mortgage Loan Originator ID 69244
914.260.2006
Francine.Silberman@raveis.com
Our Executive Mortgage Banker:
- Is available to meet with you in our office, your home or office, evenings or weekends
- Offers you pre-approval in minutes!
- Provides a guaranteed closing date that meets your needs
- Has access to hundreds of loan programs, all at competitive rates
- Is in constant contact with a full processing, underwriting, and closing staff to ensure an efficient transaction
Alex FerroInsurance Sales Director, William Raveis Insurance
203.610.1536
Alex.Ferro@raveis.com
Our Insurance Division:
- Will Provide a home insurance quote within 24 hours
- Offers full-service coverage such as Homeowner's, Auto, Life, Renter's, Flood and Valuable Items
- Partners with major insurance companies including Chubb, Kemper Unitrin, The Hartford, Progressive,
Encompass, Travelers, Fireman's Fund, Middleoak Mutual, One Beacon and American Reliable
709 TORIA LANE, Saint Augustine, FL, 32095
$639,875
Katie Sparkman
Sales Associate
William Raveis Real Estate
Phone: 203.981.4815
Katie.Sparkman@raveis.com
Mace L. Rattet
VP, Mortgage Banker
William Raveis Mortgage, LLC
Phone: 914.260.5535
Mace.Rattet@raveis.com
NMLS Mortgage Loan Originator ID 69957
Francine Silberman
VP, Mortgage Banker
William Raveis Mortgage, LLC
Phone: 914.260.2006
Francine.Silberman@raveis.com
NMLS Mortgage Loan Originator ID 69244
|
5/6 (30 Yr) Adjustable Rate Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
|
|---|---|---|---|
| Loan Amount | $511,900 | $511,900 | $511,900 |
| Term | 360 months | 360 months | 180 months |
| Initial Interest Rate** | 6.000% | 6.375% | 5.500% |
| Interest Rate based on Index + Margin | 8.125% | ||
| Annual Percentage Rate | 6.395% | 6.533% | 5.794% |
| Monthly Tax Payment | $526 | $526 | $526 |
| H/O Insurance Payment | $92 | $92 | $92 |
| Initial Principal & Interest Pmt | $3,069 | $3,194 | $4,183 |
| Total Monthly Payment | $3,687 | $3,812 | $4,801 |
* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.
** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.
The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change. The Total Monthly Payment does not include the estimated HOA/Common Charge payment.
William Raveis Mortgage, LLC, NMLS ID 2630, 7 Trap Falls Road, Shelton, CT 06484
FL Mortgage Lender MLD1388