ASSUMABLE 2.75% VA LOAN - Don't miss this dream home this impeccably upgraded 5-bedroom, 4-bath home in the highly sought-after gated community of Palencia. With over $175,000 in improvements, this home offers an ideal blend of modern design, thoughtful functionality, & everyday comfort—all just minutes from downtown St. Augustine and the beach. Step through the grand two-story foyer into a light-filled open layout with soaring ceilings and expansive living spaces. The main level features wide-open living, dining, and entertaining zones, all anchored by a gas fireplace with custom walnut-inlay built-ins and surround sound. The chef's kitchen has been tastefully refreshed with a quartz island (2021), tile backsplash, under-cabinet lighting, dual-fuel ovens (gas + electric), a gas cooktop with hood, and refaced soft-close cabinetry. A brand-new KitchenAid ultra-quiet dishwasher (2025) & an in-kitchen water filtration system (2024) complete the spa
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