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 areasideal 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.