353 Rivercliff Trail, St. Augustine, FL 32092
Sources: realMLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
As of October 14, 2026, 353 RIVERCLIFF Trail in Shearwater, St. Augustine is listed at $649,900 (2,225 sq ft, about $292 per sq ft). That is 31% above Shearwater's median closed sale of $497,882 over the last 12 months (158 recorded sales). Per square foot it is above the community's recent $221/sq ft by about 32%. It came to market within the past week. Listing facts: built in 2018, a private pool, HOA dues of $20/mo, a CDD assessment of about $2,000/yr. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
- CDD assessment ~$2,000/yr
- Built 2018 · 8 yrs
- 2,225 sq ft of living area
- 2-car garage
- Listed at $649,900 — recent neighborhood median sale price ~$497,882 (nearby sales; deemed reliable, not an appraisal)
- New to market
- HOA $20/mo (per listing)
About this home
Welcome to 353 Rivercliff Trail in Shearwater, in the heart of St. Johns County, Florida. This 4 bed, 3 bath craftsman pool and spa home sits behind a brick paver driveway and a stone-trimmed front porch made for slow mornings, on a quiet street with cul-de-sacs at each end.
The kitchen has been completely renovated, with a 10 ft island that seats five, GE Café appliances, TWO GE Café dishwashers, black stainless steel farmhouse sink, and marble backsplash. The best part of this home is the backyard. A screened and covered lanai gives privacy to your very own pool and spa, installed in 2025.
The pool features a sunshelf with built-in umbrella holder, LED colored lights, Pentair Intellicenter for remote control of the features, a Pentair 400K BTU gas heater (the big one), a saltwater system, and multi-colored LED lights. Of course, the pool is surrounded by a deck of sandblasted marble pavers. Start up the heated spa remotely..
Start up the heated spa remotely on your way home so that you can wind down as soon as you walk in the door! The backyard is fully fenced and faces a protected preserve with wooded views. A walking trail through the preserve connects the cul-de-sacs at each end of Rivercliff Trail.
If you love nature, this is the place to live. This home has over $250K in upgrades, including custom built-ins with a shiplap accent wall in the living room, custom shelving and shiplap in two bedrooms, and shiplap throughout the primary bath with a new vanity and lighted mirrors. The primary closet has custom drawers and shelving.
The laundry room has added cabinetry and a utility sink. Under-stair space finished in 2026. UV light on the HVAC for air purification.
Surge protectors on both electrical panels. Owned water softener. All carpet replaced with LVP.
Freshly painted in October 2026 and ready for its next owner. Shearwater offers resort-style living all year with a resort pool, lazy river, 3-story water slide, fitness lodge, tennis courts, two dog parks, 15 miles of trails, multiple playgrounds, a kayak launch on Trout Creek, and fun community events year-round. And finally, emphasis on the rate.
Remember 2.25%? This Shearwater pool home comes with an assumable VA loan at 2.25% for eligible VA buyers. That can mean a monthly payment far below today's rates.
All 67 photos
Description provided by CASTILLO REAL ESTATE JAX and reproduced from the MLS; not independently verified.
Every fact, sourced
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
Public records & third-party data
Calculated estimates
Buyer should verify Buyer verify
Estimated monthly payment
- Principal & interest $3,600/mo 77%
- Taxes $673/mo 14%
- Insurance $207/mo 4%
- HOA $20/mo 0%
- CDD $167/mo 4%
$4,666/mo at 20% down, 30-yr @ 7.4% · edit any field to update.
Editable estimate — not a loan offer. Estimates only; see data & estimate notes.
Property taxes
✓ Certified county tax rollProperty taxes in Florida are reassessed after a sale, so a buyer’s first full-year bill can be higher than the seller’s. Budget from this estimate, not the current bill, before you make an offer.
Most of this comes from Florida’s Save Our Homes assessment cap resetting when the home sells — the current owner’s protected assessment does not transfer to a new buyer.
Certified 2025 tax roll values for this parcel (Florida DOR). The roll gives values, not the bill; the current owner’s bill above is estimated from the taxable value.
Estimate my property taxes →Adjust for your exemptions, portability, and down payment
Sources: Florida DOR certified tax roll (2025), realMLS; millage: St. Johns County Property Appraiser, FY2025-26 adopted budget. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill; the county property appraiser and tax collector set the actual amount.
What it really costs to own 353 Rivercliff Trail
The parts of the monthly number a mortgage calculator leaves out, from this listing's MLS record, the county tax roll, Citizens and FEMA. Property facts only.
| Property tax | The current owner's bill is about $3,925/yr (certified county roll, taxable value × millage). Buy at the asking price of $649,900 and the first-year bill resets to about $8,075/yr (the parcel is matched to the certified roll; asking price less the $50,000 homestead exemption × 13.47 mills); Save Our Homes caps later increases at 3%/yr. |
|---|---|
| CDD / special assessments | About $2,000/yr, the figure on file for this community; the listing record does not state its own. |
| HOA dues | $20/month per the listing record. Dues cover what the association documents say they cover; ask for the budget and reserve study before you close. |
| Home and flood insurance | The average Citizens Property Insurance premium in Saint Johns County is $1,378/yr (977 policies, Citizens detail by county, April 2026); private-market quotes differ by roof age, wind mitigation and distance to the coast. The page's modeled range for this home is $1,500–$3,500/yr; neither is a quote. |
| Roof and age | Built in 2018. An original roof is about 8 years old: inside the 15-year window Florida carriers use, but ask for the roof's permit date before you bind coverage. |
Estimated carrying cost at the asking price, before the mortgage: about $974/month (tax $673, CDD $167, HOA $20, insurance $115). An estimate from the sources above, not a quote; the monthly-cost calculator on this page adds the loan.
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
Not yet verified for this address. Look up the parcel at msc.fema.gov before relying on any flood assumption.
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
St. Johns County is on the Florida coast; wind coverage is a major part of the premium. Premiums and coverage vary by home (roof age, wind mitigation, claims history); obtain a quote from a licensed insurer.
Natural hazard risk
FEMA National Risk Index for St. Johns County, FL: overall Relatively Moderate. Ratings compare this county with every county in the United States for expected annual loss from each hazard.
Source: FEMA National Risk Index (county level, hazard risk ratings only). Ratings describe the county, not this parcel; the flood zone shown above is parcel-specific. Verify insurance requirements with your lender and agent.
Internet & broadband
Address-level fiber service is not confirmed for this home. Check the FCC National Broadband Map (broadbandmap.fcc.gov) or the provider for this address.
Cable broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
5G home internet and satellite service depend on the exact location; check coverage for this address.
Pricing & the Shearwater market
How this home is priced against recent nearby sales, and where Shearwater has been over 25 years. Momentum Research analysis of realMLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.
This home’s $/sq ft vs. nearby sales
List $/sq ft against recent nearby closed sales; the community median is marked.
This home’s history
- 2018BuiltPer public record
- About Oct 2026Listed (per MLS)MLS reports 1 cumulative days on market as of October 14, 2026
- Oct 14, 2026First seen on movewithmomentum.comObserved at $649,900
- NowActiveCurrently for sale
Build year is from public record. The MLS list date is approximate (today minus the cumulative days on market the MLS reports, which can span relistings). Other milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Price & listing history
Building permits
Comparable recent sales
6 closed sales in Shearwater in the last 18 months — same property type, living area within 30% of this home. Sold prices are MLS closed-sale records, deemed reliable but not guaranteed.
Median of these 6 sales: $497,882 ($221/sq ft). Stronger local evidence. Shown for general reference only — not an appraisal or a statement of this home’s value.
The Messtimate
Our automated estimate of the likely sale-price range for this home — modeled from recent closed sales nearby adjusted to today's market, a local size-and-age model, and the county tax roll. It is an estimate, not an appraisal, not market value, and not an offer. A licensed agent's CMA sees the condition, the lot, and the live market that a model can't.
Strong local evidence — built from 20 comparable closed sales in Shearwater (same property type, closed within the last 18 months, each adjusted to today's market); the St. Johns County 2025 tax roll just value ($458,347) × the local sale-to-roll ratio of 40 nearby sales.
Track record: across 2,975 recent closed sales we scored, the closed price landed inside the Messtimate range 57% of the time; median miss 9.6% (closed sales statewide, FL + GA feeds that permit an automated estimate). Re-scored weekly; last 2026-10-14.
Actual list price: $649,900 ($292/sq ft) — the seller's asking price is not an input to this range; compare the two.
A 11% spread on the same house — here is what a model can't see:
- Condition & updates — a renovated kitchen or new roof vs. dated finishes can swing value six figures.
- The lot & views — a premium golf, water, or preserve lot vs. a road-facing one.
- The pool — a private pool carries cost and value the model only sees through the comps.
- Carrying costs & concessions — this home carries HOA dues of $20/mo and a CDD assessment of about $2,000/yr; insurance, CDD/HOA and seller-paid buydowns change what a buyer actually pays.
And what the live market is doing right now:
- This home: 1 days on market vs. a 44-day community median
- 358 active listings competing, 169 under contract
- ≈3.1 months of supply
- 3 closed here in the last 12 months
Selling your own home? Try the Messtimate on your address →
Methodology: 20th–80th percentile band combining time-adjusted $/sq ft of comparable closed sales (20) + tax-roll just value × local sale-to-roll ratio (40 sales, double weight); MLS closed-sale records and the FL DOR 2025 certified tax roll. Automated valuation model output for general information only — not an appraisal, not market value, not an offer, and not reviewed by a licensed appraiser. Updated October 14, 2026.
Momentum Property Score
40/100 is below average across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.
A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.
Coverage: 5 of 8 indicators had valid data for this home; indicators without data are left out, not scored as zero. Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent comparable sales. They do not measure property condition, quality, or investment suitability, and they are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
The Momentum read
🟢 Buyer-leaning conditions around this listing. 1432.0 months of supply in the surrounding market and 1 days on market for this home, against a 69-day area median.Days on market:this home 1Area median: 69 daysWhy it matters: above-median time on market, together with the level of supply, is a clear sign of how much leverage sits with buyers.Momentum Research interpretation of the MLS facts in the snapshot above. Source: Data provided by realMLS. As of October 14, 2026.
🟡 Asking $292 per square foot, about 32% above the community’s $221 median. Shearwater’s 12-month median sold price per square foot is $221. MLS facts: realMLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ
Updated October 14, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by CASTILLO REAL ESTATE JAX · MLS # 2169244
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See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.
Assigned schools
Schools currently assigned to this address in St. Johns County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Buyer research checklist
Items worth confirming for 353 RIVERCLIFF Trail, chosen from what the record shows. This is general guidance, not advice about this specific property.
- Built in 2018: confirm the roof and HVAC install dates and whether any builder or manufacturer warranty transfers.
- HOA dues are listed at $20/mo: request the current budget, reserves, and rules before relying on that figure or on any restriction.
- A CDD assessment of about $2,000/yr is on record: confirm the bond balance and remaining term with the district; it appears on the tax bill.
- Look up the parcel on FEMA's Flood Map Service Center and confirm with your insurer whether flood insurance is required.
- Get a homeowners insurance quote for this specific address in St. Johns County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
- Private pool: confirm the barrier or alarm meets the state residential pool safety code and ask for pump, heater, and resurfacing records.
- Listed living area is 2,225 sq ft: verify it against the property appraiser's record and measure before relying on it.
- Order a survey to confirm lot boundaries and easements.
- Review permit history with the county.
- Property taxes: the estimate on this page (about $8,075/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $4,150 more per year than the current owner’s estimated bill (+106%). Exemptions and portability change the actual bill — confirm with the county property appraiser.
- School zoning shown here comes from district data and changes; confirm the assigned schools directly with the district before relying on them.
Data sources & freshness
| Listing record | realMLS, checked against the MLS hourly (last: October 14, 2026) |
| Comparable sales | realMLS closed sales in Shearwater, last 18 months, as of October 14, 2026 |
| Flood zone & elevation | Not verified for this address — look it up at msc.fema.gov |
| Taxes & monthly cost | Certified county tax roll (parcel-matched) × county millage; an estimate, not a bill |
| Insurance figure | Modeled estimate; obtain a real quote before offering |
| Schools | 2025-26 district assignments; verify with the district |
Momentum Research lines are our own analysis of realMLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Frequently asked questions
How big is 353 RIVERCLIFF Trail and when was it built?
Per the listing record, 353 RIVERCLIFF Trail was built in 2018 and has 2,225 sq ft of living area, 4 bedrooms and 3.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 353 RIVERCLIFF Trail in?
353 RIVERCLIFF Trail is in Shearwater in St. Augustine, St. Johns County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Does 353 RIVERCLIFF Trail have an HOA, and how much are the dues?
The listing reports HOA dues of $20 per month. Dues, what they cover, and the community's rules should be confirmed from the association's current documents before relying on them.
What is a CDD fee?
A Community Development District fee funds a community's roads, amenities, and infrastructure through a bond and appears on the annual tax bill. This parcel shows a CDD assessment of about $2,000 per year; confirm the exact figure with the county.
Why might property taxes on 353 RIVERCLIFF Trail differ from the current owner's?
The estimate on this page (about $8,075 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $4,150 more per year than the current owner’s estimated bill (+106%). Florida reassesses a home after it sells; for a homesteaded seller the Save Our Homes cap on their assessment does not transfer, and a buyer's own exemptions and portability are applied separately, so the two bills usually differ. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Are short-term rentals allowed at 353 RIVERCLIFF Trail?
Many communities restrict short-term rentals, and city/county rules also apply. Confirm the current HOA/CDD rules and local ordinances directly before assuming any rental use.
Is 353 RIVERCLIFF Trail in a flood zone?
A flood designation has not been verified for this address. Look up the parcel on FEMA's Flood Map Service Center (msc.fema.gov) and confirm with your insurer.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
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Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply county millage to the list price (less the homestead exemption where the parcel is matched to the certified roll) and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.
Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email and we will review and correct or remove it promptly.
Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.
No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.
MLS / IDX. The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange (IDX) program of the Northeast Florida Multiple Listing Service, Inc. Real estate listings held by brokerage firms other than Momentum Realty are marked with the listing broker's name, and detailed information about such listings includes the name of the listing broker. Data provided is deemed reliable but is not guaranteed. The information being provided is 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. Source: realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.
Listing data is deemed reliable but is not guaranteed and is subject to change or withdrawal without notice. Square footage and lot size are approximate. Real estate brokerage services provided by Momentum Realty, licensed in Florida and Georgia. © 2026 Move With Momentum LLC.