ASSUMABLE, VERY LOW RATE! Welcome to 84 San Telmo Court, located in the exclusive gated community of Palencia. This 5-bedroom, 4-bath home offers over 3,300 square feet of thoughtfully crafted living space, including a spacious 3-car garage. Inside, the open floor plan showcases a gourmet kitchen with quartz countertops, 42'' cabinetry, a 5-burner gas range, and an oversized island that flows seamlessly into the dining and living areas--ideal for gatherings and everyday living. The luxurious owner's suite provides a private retreat with a spa-inspired bath and generous walk-in closet. Additional bedrooms and baths offer comfort and flexibility for family and guests, while a paved and screened lanai extends your living space outdoors. Living in Palencia means enjoying resort-style amenities at your fingertips,community pools, a state-of-the-art fitness center, tennis courts, golf course, and scenic trails. Perfectly situated near top-rated schools and just minutes from historic downtown St. Augustine and the beaches, this home offers both elegance and convenience in one of Northeast Florida's most desirable communities.