Townhouse in Shearwater Townhomes, St. Augustine · Built 2025
Shearwater Townhomes · St. Augustine, FL 32092 · St. Johns
Listing data updated July 15, 2026 · refreshed twice daily
3Bedrooms
2Bathrooms
1,494Sq Ft
2025Year Built
$216Per Sq Ft
2-car garageNew constructionFEMA Zone X
Momentum Research: independent market analysis, flood data, insurance estimates, buyer leverage, and objective property scoring, alongside the MLS listing. Not just the listing sheet.
20% above
$/sq ft vs community
$216 here vs $180 median sold (12 mo)
Buyer leverage
Seller-leaning
4 days on market
3.4 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
Zone X
Flood risk
Minimal hazard per FEMA; ~20 ft elevation
$500–$2k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
Listed at $323,000 — recent neighborhood median sale price ~$317,500 (nearby sales; deemed reliable, not an appraisal)
New to market
HOA ~$50/mo (estimate; confirm)
School district: CDD No CDD Schools St. Johns County SchoolsCommunity built 2020–2026St. Johns Commons · 7 min driveGoldfish Swim School · 8 min driveDesi Pantry · 9 min drive
Momentum Research · Shearwater Townhomes
Pricing & the Shearwater Townhomes market
How this home is priced against recent nearby sales, and where Shearwater Townhomes 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.
Price vs. size in Shearwater Townhomes
Each dot is a closed sale since 2020 (119 total). This home is the gold marker.
Sale price (y) by living area in sq ft (x). realMLS closed sales.
Median $/sq ft by year
Community sold $/sq ft, 2021–2026. This home lists at $216/sq ft.
Median sale price by year
12-month median closed price, 2021–2026.
Market Heat by year (0–100)
Momentum Market Heat, 2021–2026. Now 39 (cold).
Property timeline
This home’s history
2025BuiltPer 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.
Financing
Estimated monthly payment
$2,172/mo
Principal & interest $1,637/mo75%
Taxes $232/mo11%
Insurance $87/mo4%
HOA $50/mo2%
CDD $167/mo8%
$2,172/mo at 20% down, 30-yr @ 6.52% · edit any field to update.
Strongest on: Flood safety (95), Buyer competition (95)
0 limited50100 exceptional
56/100 is solid, mid-pack 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.
Price vs area0
This home $216/sq ft vs the community 12-month median $180/sq ft.
Affordability47
List price $323,000 vs the community median $317,500. Not a measure of personal affordability.
Flood safety95
FEMA Zone X, ~20 ft elevation. Verify the parcel with FEMA.
Insurance cost80
From FEMA Zone X and a 2025 build. Obtain a property-specific quote.
Market liquidity64
Community median 39 days on market, ~3.4 months of supply (12-month record).
Renovation upside10
From a 2025 build and $216/sq ft vs the community median $180/sq ft. Not a condition assessment.
Buyer competition95
5% of recent closings here paid cash. A higher cash share means more competition from buyers who don't need financing (lower score).
Pricing power49
Recent sales closed at about 98.1% of original asking (~1.9% below). More room below asking generally favors buyers.
Market timing61
Momentum Market Heat is 39/100 (cold). Cooler readings generally favor buyers; hotter readings favor sellers.
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.
Momentum Research
The Momentum read
🟠 Seller-leaning conditions around this listing. 3.4 months of supply in the surrounding market and 4 days on market for this home, against a 39-day area median.Days on market:this home 4Area median: 39 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 July 14, 2026.
🟡 Asking $216 per square foot, about 20% above the community’s $180 median. Shearwater Townhomes’s 12-month median sold price per square foot is $180. Median sold price per square foot is down 14.2% year over year. Confidence: Very High · 59 closed sales in 12 monthsMLS facts: realMLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
Recent Shearwater Townhomes sales closed near 98.1% of original asking. Cash paid for about 5% of recent closings here.Why it matters: the community’s own record shows how far opening prices typically move, and how often buyers compete without financing.Momentum Research analysis of realMLS records, community-level, 12 months ending July 14, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 14 active listings in Shearwater Townhomes.
Updated July 15, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Listing description
About this home
MOVE IN READY! This stunning Townhomes -Osprey floor plan offers 3 bedrooms, 2 bathrooms, and a 2 car garage. This desirable end unit includes Lennar's Everything's Included package with white quartz countertops, 42 inch upper cabinets, and a full suite of Frigidaire stainless steel appliances including range, dishwasher, microwave, and refrigerator.
Ceramic wood tile extends through all wet areas and into the living, dining, and halls. Additional highlights include quartz vanities, window blinds throughout, a pre screened lanai, water heater, sprinkler system, and a pavered driveway. Enjoy peace of mind with a one year builder warranty, dedicated customer service program, and 24 hour emergency service.
St. Johns County delivers an unparalleled living experience blending Florida's coastal lifestyle with a vibrant, welcoming environment rich in history, culture, and A rated schools. (Conditions may apply)
Description provided by LENNAR REALTY INC and reproduced from the MLS; not independently verified.
Property facts & sources
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
List price$323,000
Bed / bath3 / 2
Living area1,494 sq ft
Year built2025
Property typeTownhouse
Garage2-car
MLS #2154743
Listing statusNew — 4 days on market
Public records & third-party data
FEMA flood zoneZone X
Ground elevation~20 ft
Windstorm exposureModerate
CountySt. Johns
Area listings14 active · 15 under contract
Estimated first-year tax~$2,778/yr
CDD assessment~$2,000/yr
HOA (estimate)$50/mo
Calculated estimates
Price per sq ft$216
Estimated monthly payment$2,172
Insurance (illustrative)$500–$2k/yr
Messtimate range$262,944 – $288,342
Comparable-sales median$317,500
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
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.
$262,944the mess$288,342
Actual list price: $323,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 10% spread on the same house — and that gap is exactly what an automated guess can't see:
Condition & updates — a renovated kitchen or new roof vs. dated finishes can swing value six figures; sq ft can't see it.
The lot & views — a premium golf, water, or preserve lot vs. a road-facing one: same sq ft, very different price.
Outliers skew it — one flip or distressed sale in the comps drags the whole $/sq ft up or down.
Carrying costs & concessions — CDD, HOA, insurance, and seller-paid buydowns change what a buyer actually pays.
And here's what the live market is doing — which the number above ignores entirely:
This home: 4 days on market vs. a 39-day community median
14 active listings competing, 15 under contract
≈3.4 months of supply
49 closed here in the last 12 months
For reference, this home is listed at $323,000 ($216/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: 1,494 sq ft × $176–$193/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated July 15, 2026.
Keep looking
Similar homes for sale near Shearwater Townhomes
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.
Listed for $323,000Momentum Realty · on market 4 days
Public records
Building permits
Permit history not yet linkedAdd county permit records via overrides
Estimated ownership costs
Estimated costs & disclosures
Estimated ownership costs for general information. Confirm each with the county, your lender, and an insurer. See data & estimate notes.
Property tax (first-year est.)
~$2,778/yr
A rough first-year estimate only, applying a typical St. Johns rate to the list price before any exemptions. Florida bills vary substantially after reassessment, homestead and other exemptions, and local taxing districts — this is not your expected bill. Confirm with the county property appraiser.
CDD assessment
~$2,000/yr
A Community Development District bond funds roads & amenities; it appears on your tax bill and is not optional.
Insurance (illustrative range)
$500–$2k/yr
An illustrative modeled range, not based on carrier underwriting and not a quote. Florida premiums vary significantly by roof age, wind-mitigation features, claims history, and carrier — a real quote can land well outside this range. Flood insurance not federally mandated (Zone X). Get a quote from a licensed insurer before relying on any figure.
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
~20 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.
Connectivity
Internet & broadband
Fiber
Check availability
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.
Market data · public records
Recent sales activity in Shearwater Townhomes
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 Townhomes neighborhood guide for more.
Comparable sales found
6
Recent nearby closings in the data set.
Community median sale price
$317,500
Canonical 12-month median closed price. Reference only.
Community median $/sq ft
$180
Canonical 12-month median $/sq ft. Reference only.
Go deeper on Shearwater Townhomes
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.
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. The project serves the wider Shearwater community that contains these townhomes.
Why it matters: Added capacity on CR 210 may ease peak hour commutes for Shearwater Townhomes by Ryan Homes residents who rely on the corridor.
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. The project serves the wider Shearwater community that contains these townhomes.
Why it matters: The new corridor segment may give Shearwater Townhomes by Ryan Homes residents an additional north-south route as the wider 2209 corridor builds out.
County breaks ground on sports complex and library near Shearwater
St. Johns County broke ground on a new tournament-style sports complex, community center and public library off CR 16A adjacent to the Shearwater community. The work is part of a county parks initiative exceeding $100 million that includes fields, courts, playgrounds, a splash pad and other recreation facilities, with openings targeted for early 2027. The project serves the wider Shearwater community that contains these townhomes.
Why it matters: Public recreation and library capacity next door may broaden the amenity picture for Shearwater Townhomes by Ryan Homes beyond the community gates.
Developer profiles two townhome programs at Shearwater
A post on Shearwater's official site outlined the community's townhome offerings, with Lennar townhomes in two collections offering front load and rear load options, and Ryan Homes townhomes in the Parkside neighborhood with two car garage designs, a loft that can convert to a fourth bedroom and rear lanais. The post positioned townhomes as the lower maintenance, competitively priced entry point to the community's amenity package.
Why it matters: The builder and neighborhood breakdown may help buyers confirm which townhome product and HOA context applies to a given resale listing inside Shearwater.
Approximate driving times to verified nearby destinations. Estimates for general reference; actual times vary with traffic and route.
Groceries
Desi Pantry 9 min
Dining
The Windy City On Wheels 13 min
Shopping
St. Johns Commons 7 min
Parks
Goldfish Swim School 8 min
Assigned schools
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.
GRADEA
Timberlin CreekAssigned elementary school · St. Johns County School District · Grade A (Florida DOE 2025-26)
GRADEA
Switzerland PointAssigned middle school · St. Johns County School District · Grade A (Florida DOE 2025-26)
GRADEA
Bartram TrailAssigned high school · St. Johns County School District · Grade A (Florida DOE 2025-26)
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
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
$322,500
80 BELFORT Court, St. Augustine
3 / 2.5 bd/ba · 1,799 sq ft · $179/sq ft
Courtesy of LENNAR REALTY INC · View details →
Sold May 2026
$322,595
119 HOGAN Court, St. Johns
3 / 2.5 bd/ba · 1,799 sq ft · $179/sq ft
Courtesy of LENNAR REALTY INC · View details →
Sold May 2026
$347,500
76 BELFORT Court, St. Augustine
3 / 2.5 bd/ba · 1,799 sq ft · $193/sq ft
Courtesy of LENNAR REALTY INC · View details →
Sold Apr 2026
$317,500
113 BELFORT Court, St. Augustine
3 / 2.5 bd/ba · 1,799 sq ft · $176/sq ft
Courtesy of LENNAR REALTY INC · View details →
Sold Apr 2026
$317,500
109 BELFORT Court, St. Augustine
3 / 2.5 bd/ba · 1,799 sq ft · $176/sq ft
Courtesy of LENNAR REALTY INC · View details →
Sold Jun 2026
$365,990
201 YELLOWSTONE Drive, St. Augustine
3 / 2.5 bd/ba · 1,813 sq ft · $202/sq ft
Courtesy of MERITAGE HOMES OF FLORIDA REALTY · View details →
Community 12-month median: $180/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.
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$1,480 – $2,153/moa rough gross-rent-yield range on list price (comp-based estimate coming).
Estimated cap rate4.1%Net operating income ÷ list price; excludes financing.
Est. monthly cash flow−$738 – −$132At 25% down, 30-yr; after a 10% vacancy/maintenance/management reserve.
Before you decide
Buyer research checklist
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.
Nearby & commute
Approximate distances
Approximate drive times for general reference only.
realMLS, refreshed twice daily (last: July 15, 2026)
Community market stats
realMLS closed sales, as of July 14, 2026
Flood zone & elevation
FEMA flood maps + USGS elevation (Zone X shown above)
Taxes & monthly cost
Estimated from county rates; not a quote
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.
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 98 HOGAN Court 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.
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.
