Single Family Residence in Shearwater, St. Augustine · FEMA Zone X · Built 2026
Shearwater · St. Augustine, FL 32092 · St. Johns
Listing data updated July 10, 2026 · refreshed twice daily
4Bedrooms
2Bathrooms
2,106Sq Ft
2026Year Built
$237Per Sq Ft
New constructionFEMA Zone X4 bedrooms
Highlights
CDD assessment ~$2,000/yr
FEMA Zone X — flood insurance generally not federally required
New construction — built 2026
2,106 sq ft of living area
$237/sq ft — compared with the displayed median of $228 from recent nearby sales
Listed at $498,985 — recent neighborhood median sale price ~$481,735 (nearby sales; deemed reliable, not an appraisal)
New to market
HOA ~$50/mo (estimate; confirm)
School district: St. Johns County SchoolCommunity built 2016–2026St. Johns Commons · 4 min driveGoldfish Swim School · 4 min driveDesi Pantry · 6 min drive
This listing is shown at $498,985, with 4 bedrooms and 2 bathrooms, and 2,106 square feet. The page displays an estimated monthly payment, FEMA flood-zone information, estimated ownership costs, a source-tagged Momentum Fact Check, and recent comparable-sale data where available. All estimates should be independently verified.
Momentum Snapshot
The whole picture, at a glance
Property
Bedrooms4
Bathrooms2
Living area2,106 sq ft
Year built2026
Property typeSingle Family Residence
Financial
Est. monthly payment$3,308
Est. taxes / yr~$4,291
Est. insurance / yr~$1,572
HOA$50/mo
CDD~$2,000/yr
Price / sq ft$237
Risk
Flood zoneZone X · minimal hazard (FEMA)
Ground elevation~26 ft
Wind exposureCoastal — obtain a quote
Insurance (est.)~$1,572/yr
Market
Days on market5
Neighborhood median DOM27
Active listings (area)38
Months of supply3.1
Comparable-sales median$481,735
This home5d
Area median27d
Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Visual snapshot
The numbers, at a glance
Flood risk
Zone X
Minimal hazard, outside the SFHA per FEMA
Est. insurance
~$1,572/yr
Estimated homeowners premium; get a real quote.
Months of supply
3.1 mo
Under 3 months typically favors sellers; 3–6 is balanced; over 6 favors buyers.
Market activity
57/100
Balanced market — from supply, under-contract share, and days on market.
Estimated monthly payment
$3,308/mo
Principal & interest $2,602/mo79%
Taxes $358/mo11%
Insurance $131/mo4%
HOA $50/mo2%
CDD $167/mo5%
Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Momentum Scores
Momentum Property Score
56/100
Strongest on: Flood safety (95), Insurance cost (80)
A rules-based composite of the objective indicators below — each computed from listing facts, public records, and recent nearby sales, not opinion.
How to read it: a higher score means more of these objective measures line up in a buyer’s favor — for example, priced competitively against recent nearby sales, lower carrying costs, or lower flood risk. A lower score means fewer do. It reflects only the indicators below — not the home’s quality, condition, or desirability, and nothing about who should live there.
Price vs area40
This home $237/sq ft vs area median $228/sq ft from recent nearby sales.
Affordability44
List price $498,985 vs area median $481,735. Not a measure of personal affordability.
Flood safety95
FEMA Zone X, ~26 ft elevation. Verify the parcel with FEMA.
Insurance cost80
From FEMA Zone X and a 2026 build. Obtain a property-specific quote.
Market liquidity71
Area median 27 days on market, ~3.1 months of supply.
Investment metrics50
Objective supply and demand metrics for the area - not investment advice.
Renovation upside10
From a 2026 build and $237/sq ft vs area $228/sq ft. Not a condition assessment.
Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent nearby sales. They are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
Listing facts & disclosures
$498,985
List price
As listed in the MLS
4 / 2
Bed / bath
Per the listing
2,106
Living area
Sq ft (approx.)
$237
Price / sq ft
List ÷ living area
The home
Year built2026
Per public record.
Property typeSingle Family Residence
Per the listing.
Costs
HOA$50/mo
Disclosure — confirm exact dues and inclusions.
CDD assessment~$2,000/yr
Estimate/disclosure — confirm the parcel's actual CDD with the county.
Est. first-year tax~$4,291/yr
Opinion/estimate at typical county millage — your assessed bill will differ. Do not rely on this.
Site & risk
FEMA flood zoneZone X · minimal hazard (FEMA)
From the FEMA flood map; verify the parcel.
Ground elevation~26 ft
Approximate parcel elevation (USGS).
WindstormModerate
Coastal exposure varies; obtain an insurer quote.
Please note. Figures such as estimated taxes, insurance, CDD/HOA amounts, payments, and any market or comparable-sales summary are opinions and estimates for general information only, may be inaccurate, are not appraisals or advice, and should not be relied upon. Verify everything independently before making any decision.
How this home's list $/sq ft compares with recent nearby closed sales, and how prices in the community have moved. Public-record reference only — not an appraisal or a statement of value.
This home's $/sq ft vs. nearby sales
Recent sold prices in this community
The Messtimate™
The Messtimate: $475,956 – $499,122
This is a deliberately dumb estimate — living area times a range of recent neighborhood $/sq ft, and nothing else. It is not an appraisal, not market value, and not a valuation of this home. Even a tight range from comparable sales can’t price a specific home — here’s why.
$475,956the mess$499,122
Actual list price: $498,985 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 5% spread on the same house — and that gap is exactly what an automated guess can't see:
Condition & updates — a renovated kitchen, new roof, or older interior finishes can swing value six figures. Sq ft can't see it.
The lot — a premium waterfront, conservation, or cul-de-sac lot vs. a road-facing one: same sq ft, very different price.
Outliers skew it — one flip or one distressed sale in the comps drags the whole $/sq ft up or down.
Layout & beds/baths — two homes at 2,000 sq ft with 3/2 vs. 4/3 don't sell for the same number.
Views & orientation — golf, water, or preserve views aren't in the square footage.
Upgrades & systems — solar, pool, impact windows, new HVAC: real money, invisible to a calculator.
Unpermitted or mismeasured sq ft — public records are often wrong, and unpermitted additions don't count.
Carrying costs — CDD bonds, HOA dues, and flood-zone insurance change what a buyer will actually pay.
Timing & concessions — the market moves monthly, and seller-paid rate buydowns hide the true price.
School zoning & micro-location — one street over can mean a different school, and a different price.
And here's what the live market is doing — which the number above ignores entirely:
This home: 5 days on market vs. a ~27-day neighborhood median
38 active listings competing in Shearwater
22 under contract now
37% of for-sale inventory is currently under contract (under contract + pending, as a share of all for-sale inventory)
≈3.1 months of supply (one market-context metric; should not be used alone)
9 new-construction homes competing
Median sale price is up 65% over the last 123 months
Homes here sell at about 99.0% of list price
149 closed here in the last 12 months
For reference, this home is listed at $498,985 ($237/sq ft) — a number set with analysis a Messtimate can't do.
Want a property-specific review from a licensed agent? A Momentum Realty agent will do a real, free comparative market analysis — walking the home, the lot, the condition, and the live market. That's the difference between a Messtimate and a valuation.
Methodology: 2,106 sq ft × $226–$237/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated July 10, 2026.
Market analysis
Shearwater market analysis
Local market conditions - current inventory and, where available, recent trends. Reference only, not a forecast or valuation. Source: realMLS (Northeast Florida Multiple Listing Service).
38Active listings
22Under contract
9New this month
3.1Months of supply
27Median days on market
37%Under-contract share
Current area inventory and velocity from live MLS counts. Reference only, not a forecast or valuation.
Median sale price
Median $/sq ft
Median days on market
Homes sold per month
Property timeline
This home’s history
2026BuiltPer public record
NowActiveCurrently for sale
Build year is from public record. Listing 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.
If you rent it out
Investment snapshot
Objective rental and cash-flow estimates for a buyer weighing this as an investment. Rough figures for general information only — not a guarantee of rent, an appraisal, or investment advice. Verify independently.
Estimated rent$2,287 – $3,327/moa rough gross-rent-yield range on list price (comp-based estimate coming).
Estimated cap rate4.4%Net operating income ÷ list price; excludes financing.
Est. monthly cash flow−$1,087 – −$151At 25% down, 30-yr; after a 10% vacancy/maintenance/management reserve.
Momentum Fact Check
Every number, sourced
We separate what is listing data, what comes from public records, what we calculate or estimate, and what a buyer should verify. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
List price$498,985
Bed / bath4 / 2
Living area2,106 sq ft
Year built2026
Property typeSingle Family Residence
MLS #2149350
Listing statusNew — 5 days on market
Days on market5
Public records & third-party data
FEMA flood zoneZone X
Ground elevation~26 ft
CountySt. Johns
Estimated first-year tax~$4,291/yr
CDD assessment~$2,000/yr
HOA (estimate)$50/mo
Calculated estimates
Price per sq ft$237
Estimated monthly payment$3,308
Estimated insurance~$1,572/yr
Messtimate range$475,956 – $499,122
Comparable-sales median$481,735
Buyer should verify Buyer verify
Exact HOA dues, fees, and restrictionsRoof age and conditionHVAC age and conditionA property-specific insurance quoteSurvey and lot boundariesPermit historyFlood-insurance requirementsSchool zoning (confirm with the district)Property taxes after sale (homestead reset)CDD / community assessmentsSquare footage and room dimensions
No surprises at closing
Estimate a monthly payment
A tool to estimate a monthly payment. All values are editable estimates, not a loan offer or a statement about this property. Property tax, insurance, CDD, and HOA figures are approximations — verify each independently.
Estimated monthly payment
$3,308
Principal & interest$2,602
Property tax$358
Insurance$131
CDD assessment$167
HOA$50
PMI$0
Down payment $99,797 · Loan $399,188. Estimate only — not a loan offer. We'll connect you with a local lender for an exact quote.
Estimated ownership costs
Estimated costs & disclosures
Estimates and disclosures for general information only. These are opinions/approximations, not guarantees, and should not be relied upon — confirm every figure with the county, your lender, and an insurer.
Property tax reset
~$4,291/yr
The seller likely pays less due to the homestead cap. At a $498,985 purchase, expect your first full-year St. Johns bill near $4,291 before exemptions.
CDD assessment
~$2,000/yr
A Community Development District bond funds roads & amenities; it appears on your tax bill and is not optional.
Insurance
~$1,572/yr
Estimate for a 2026 build in St. Johns. Newer construction and wind-mitigation features lower premiums. Flood not mandated (Zone X).
HOA
$50/mo
Covers the master association & common areas. Confirm exact dues and what they include.
Environmental data
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
FEMA flood zone
Zone X
From the FEMA National Flood Hazard Layer. In this zone lender-required flood insurance is generally not mandated; confirm for the parcel.
Ground elevation
~26 ft
Approximate parcel elevation from USGS. Run --online for a live reading.
Windstorm / insurance
Obtain a quote
This is a coastal Florida county. Premiums and coverage vary by home; obtain a quote from a licensed insurer.
Market data · public records
Recent sales activity in Shearwater
Recent comparable closed sales near this home, from public records. Summary figures are for general reference only and are not a valuation of this property. See the Shearwater neighborhood guide for more.
Comparable sales found
6
Recent nearby closings in the data set.
Median sale price (set)
$481,735
Median closed price of the comparable set. Reference only.
Median $/sq ft (set)
$228
Median $/sq ft of the comparable set. Reference only.
This home $/sq ft
$237
List price divided by living area. Provided as data, not a value judgment.
Go deeper on Shearwater
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.
Approximate driving times to verified nearby destinations. Estimates for general reference; actual times vary with traffic and route.
Groceries
Desi Pantry 6 min
Dining
The Windy City On Wheels 10 min
Shopping
St. Johns Commons 4 min
Parks
Goldfish Swim School 4 min
In the area
Recent Shearwater news
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Apr 2026 · Infrastructure
County marks completion of CR 210 roadway improvements
St. Johns County announced completion of its County Road 210 improvement program between I-95 and U.S. 1, celebrated with an April 24 ribbon cutting. The roughly $18.7 million effort widened a 0.7 mile stretch from two lanes to six, added sidewalks, curbing and drainage upgrades, and installed a new traffic signal at Badger Park Drive.
Why it matters: Added capacity on CR 210, the primary east-west artery serving Shearwater, may shorten peak-hour travel times, and corridors with recently delivered road projects have historically drawn steady buyer attention.
County seeks input on CR 210 and St. Johns Parkway intersection changes
St. Johns County opened a public input process on proposed traffic-flow changes at the intersection of CR 210 and CR 2209, also known as St. Johns Parkway, including possible turn restrictions. An open house and formal presentation were scheduled for April 9 at the Shearwater Kayak Clubroom.
Why it matters: A reconfigured intersection could change daily routing for residents on the west side of CR 210, and continued county spending at Shearwater's doorstep may signal that the corridor remains a planning priority.
St. Johns County opened a roughly $41 million, four-lane divided segment of County Road 2209 connecting Silverleaf Parkway to International Golf Parkway. The segment is part of a planned 7.7 mile corridor intended to eventually run from CR 210 south to State Road 16.
Why it matters: A new north-south alternative west of I-95 may gradually relieve pressure on CR 210 and could broaden commute options for households in the Shearwater area.
Intersection upgrades advancing near Trout Creek Academy
St. Johns County moved forward on a roughly $1.8 million project at CR 16A and Timberwolf Trail near Trout Creek Academy, the K-8 campus inside Shearwater. Plans include new turn lanes on both roads and a potential pedestrian path for students, with design and permitting targeted for year end and construction to follow.
Why it matters: Dedicated turn lanes and a possible walking route could ease school-hour queuing at the community's main school entrance, a logistics point prospective residents often weigh.
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.
Trout Creek Academy (onsite)Public K-8 · St. Johns County School District
Timberlin Creek ElementaryPublic K-5 · St. Johns County School District
Switzerland Point Middle SchoolPublic 6-8 · St. Johns County School District
Bartram Trail High SchoolPublic 9-12 · St. Johns County School District
How it stacks up
Comparable recent sales
Recent closed sales nearby, with photos, so you can compare. Sold prices are public record, deemed reliable but not guaranteed.
Sold May 2026
$483,470
737 KINGBIRD Drive, St. Augustine
4 / 2 bd/ba · 2,106 sq ft · $230/sq ft
Courtesy of LENNAR REALTY INC · View details →
Sold Jun 2026
$480,000
40 RIDGEWIND Drive, St. Augustine
3 / 2 bd/ba · 2,126 sq ft · $226/sq ft
Courtesy of UNITED REAL ESTATE GALLERY · View details →
Sold Jun 2026
$480,000
113 SADLER Court, St. Augustine
4 / 3 bd/ba · 2,027 sq ft · $237/sq ft
Courtesy of WATSON REALTY CORP · View details →
Sold Jun 2026
$447,500
31 TOWER Court, St. Augustine
4 / 2.5 bd/ba · 1,968 sq ft · $227/sq ft
Courtesy of OLYMPUS EXECUTIVE REALTY, INC · View details →
Sold May 2026
$504,980
727 KINGBIRD Drive, St. Augustine
4 / 2.5 bd/ba · 2,257 sq ft · $224/sq ft
Courtesy of LENNAR REALTY INC · View details →
Sold May 2026
$496,485
52 SMOKERISE Drive, St. Augustine
4 / 3 bd/ba · 1,943 sq ft · $256/sq ft
Courtesy of LENNAR REALTY INC · View details →
Median of the set: $228/sq ft. Shown for general reference only — this is not an appraisal or a statement of this home's value. Sold prices are public record and deemed reliable but not guaranteed.
Keep looking
Similar homes for sale near Shearwater
Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.
A neutral list of items to confirm for any home. This is general guidance, not advice about this specific property.
Confirm roof age and condition during inspection.
Confirm HVAC age and condition during inspection.
Request current HOA documents before relying on dues or restrictions.
Obtain an insurance quote for this specific property.
Confirm school zoning directly with the district.
Order a survey to confirm lot boundaries.
Review permit history with the county.
Confirm whether flood insurance is required for this parcel.
Confirm square footage and room dimensions independently.
Ask the county how property taxes may change after a sale.
Listing description
About this home
MOVE IN READY!!
The Charle II floor plan by Lennar offers 4 bedrooms, 2 bathrooms, and a 2-car garage.
Enjoy Lennar's signature Everything's Included features, including white cabinetry with white quartz countertops, 42'' upper cabinets, and a full suite of stainless steel a...
Description provided by LENNAR REALTY INC and reproduced from the MLS; not independently verified.
The full spec sheet
Property details & features
Interior
Bedrooms4
Bathrooms2
Living area2,106 sq ft
Exterior & lot
TypeSingle Family Residence
Systems
Year built2026
Age0 yrs
Listing
MLS #2149350
StatusActive
Days on market5
Nearby & commute
Approximate distances
Approximate drive times for general reference only.
AT&T Fiber covers much of NE Florida. Run --online or confirm at the address.
Cable
Likely
Xfinity/Spectrum cable broadband is widely available.
5G Home
Backup
T-Mobile / Verizon fixed-wireless as a backup option.
Transparency
Price & listing history
Listed for $498,985Momentum Realty · on market 5 days
Public records
Building permits
Permit history not yet linkedAdd county permit records via overrides
Answered before you ask
Frequently asked questions
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. Amounts vary by parcel; confirm the exact figure for this property with the county.
Why might my property taxes differ from the current owner's?
Florida's Save Our Homes rule caps annual assessment increases for homesteaded owners, and the assessment can be re-set after a sale. As a result a new owner's bill may differ from the seller's. 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?
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.
Where does the flood-zone information come from?
The flood designation shown (Zone X) comes from the FEMA flood map and is provided for general information. Confirm the parcel's status with FEMA and 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.
Ready when you are
See 60 SMOKERISE Drive in person
Private tours available 7 days a week, in person or by live video walkthrough. Request a tour or send a question and a licensed Momentum Realty agent will follow up.
Momentum Realty · licensed in FL & GA
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 a typical county millage rate to the list price 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.
Sold price and details are from public records and the MLS, deemed reliable but not guaranteed. Shown for comparison only — not an appraisal or a statement of this home's value.
