Shearwater Townhomes by Ryan Homes in St. Augustine

Shearwater Townhomes by Ryan Homes in St. Augustine (Shearwater, CR-210), FL

Townhome collection, sold out · Shearwater · ZIP 32092

Resort-grade amenities and a top St. Johns school path in a lock-and-leave townhome.

Full Shearwater amenitiesOnsite K-8Resale-only now
Live Market Pulse
42/100
Momentum
Buyer-Leaning Market
A two-plan collection means thin, young comps, so a single resale can move the read; the plan, position, and the HOA-plus-CDD stack decide the number.
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Unlock Off-Market Shearwater Townhomes by Ryan Homes

Listings before the portals, true comps, and the renovation and carrying-cost math, before you tour.

Built fromLive realMLS data14 years of closingsLocal renovation analysisUpdated twice daily
LiveMarket PulserealMLS
$356K
Median Price
4.1mo
Supply
105days
Avg DOM
Soft
Seller Leverage
$188/sf
Median $/Sqft
-8%
1-Yr Price Change
1now
Distress
Jon Brooks, founder of Momentum Realty
Jon's Current Read

"Shearwater Townhomes is now a resale-only market after Ryan Homes sold out, so there is no builder anchor and the comps are young and thin. The value question is simple: are you buying the amenity campus and the onsite K-8, and will you use them enough to justify the HOA plus the Shearwater CDD over a no-CDD rival? Plan choice, interior position, and option level move individual homes more than anything else here."

Jon Brooks, founder, Momentum Realty · Updated June 2026

The 60-Second Overview

Shearwater Townhomes by Ryan Homes market snapshot (as of June 13, 2026): the median sale price is about $356K ($188 per sq ft), with homes averaging 105 days on market and 4.1 months of supply, a buyer-leaning market. Values are down 8% over the past year and up 16% since 2021, based on 53 recent closings in live realMLS data.

Shearwater Townhomes by Ryan Homes is a two-plan, 3-bedroom collection of roughly 1,635 to 1,924 square feet on Yellowstone Drive inside the Shearwater master plan off CR-210 in northern St. Johns County, ZIP 32092.

The defining choice is the Neptune, with a first-floor owner suite, versus the Thornewood, with a 2-car garage and a loft convertible to a fourth bedroom. Builder pricing ran from the upper $200s into the $360s before sellout, and resales now set the market.

Owners get full Shearwater amenity access, including the Lazy Bird River and the Kayak Club campus, plus the onsite Trout Creek Academy K-8. The cost to model is the townhome HOA plus the Shearwater CDD on the tax bill.

Best for

  • First buyers, downsizers, and commuters who want a lock-and-leave home
  • Buyers who will actually use the Shearwater amenity campus
  • Households who value the onsite Trout Creek Academy K-8 and the Bartram Trail path
  • Buyers who want a first-floor owner suite (Neptune) or a garage plus loft (Thornewood)

Probably not for

  • Buyers who want the lowest possible carrying cost and no CDD
  • Those who need a large yard or detached single-family privacy
  • Buyers who will not use resort amenities they are paying for
  • Anyone unwilling to model the HOA-plus-CDD stack before offering

How Shearwater Townhomes by Ryan Homes is performing right now

42/100
momentum
Buyer-Leaning Market
Seller's marketBalancedBuyer's market
4.1Months of supplytight
93Median days on marketdays
5 : 18Under contract vs for salestrong demand
53Sold in last 12 monthsliquidity
+16%Median price since 2021appreciation
+7%Asking vs recent sold $/sqftroom to negotiate

Tight supply and strong demand favor sellers here. Homes still take about two months to sell, though, and with asking prices running above recent sales per square foot, a prepared buyer has room on anything overpriced. Reading each home against the real comps, not the headline trend, is where the edge is.

Live from realMLS, as of June 13, 2026. Refreshed twice daily. Months of supply, days on market, and the contract-to-listing ratio are computed from current Shearwater Townhomes by Ryan Homes listings and the trailing twelve months of closed sales.

8.6A- score
Momentum intelligence
Momentum buy score

Our proprietary read on how a home in Shearwater Townhomes by Ryan Homes buys, holds, and resells. See the five factors.

Homes For Sale Right Now in Shearwater Townhomes by Ryan Homes

Live MLS inventory for Shearwater Townhomes by Ryan Homes. Every active listing, what is under contract right now, and the last 12 months of closed sales, refreshed twice a day. Closed comps beat an algorithm's guess every time.

Active and pending Shearwater Townhomes by Ryan Homes listings as of 2026-06-13, priced high to low. Source: Data provided by realMLS.. Tap any home to ask about it.

Listing locations from realMLS; lot type inferred from listing descriptions. Destination pins are approximate. Map data © OpenStreetMap, tiles © CARTO. Flood, school, and commute overlays are on the roadmap.

The takeaway

The location is the everyday-convenience case: shopping, schools, and the major roads are all a manageable drive.

I-95 interchange8-10
Durbin Park retail12-15
St. Johns Town Center22-30
Downtown St. Augustine25-30
Mayo Clinic~30

Distances and drive times are approximate and vary with traffic. Confirm your real commute at your real departure time.

Nearby Communities

Explore more neighborhoods near Shearwater Townhomes by Ryan Homes in St with Momentum Realty’s local guides.

Shearwater Homes for Sale in StShearwater Homes for Sale in StSt. Augustine, FL · 0.3 miGlen StGlen StSt. Augustine, FL · 0.6 miStStSt. Augustine, FL · 0.6 miHolly Forest at SilverLeaf Homes for Sale in StHolly Forest at SilverLeaf Homes for Sale in StSt. Augustine, FL · 0.6 miStStSt. Johns, FL · 0.7 miSCStone Creek Homes for Sale in StSt. Johns, FL · 0.9 miSouth Hampton Homes for Sale in StSouth Hampton Homes for Sale in StSt. Augustine, FL · 1.1 miMeadow Ridge Homes for Sale in StMeadow Ridge Homes for Sale in StSt. Augustine, FL · 1.1 miWaterford Lakes at SilverLeaf Homes for Sale in StWaterford Lakes at SilverLeaf Homes for Sale in StSt. Augustine (SilverLeaf), FL · 1.4 mi

Browse all Florida neighborhood guides →

Carrying cost · the no-CDD edge

No CDD bond means thousands less per year than newer master plans.

Typical CDD community~$2,500/yr
Shearwater Townhomes by Ryan Homes (no CDD)$0/yr

Roughly $25,000 saved over 10 years in carrying cost, before resale.

Illustrative. NE Florida CDD assessments commonly run $1,500-$3,500+/yr and vary by community; verify per property.

Schools

15-Second Take
  • St. Johns County Public Schools
  • Verify the zoned schools by address
  • Magnet and choice options may be available
  • Confirm current ratings before relying on them
  • Private and parochial options nearby

Shearwater Townhomes by Ryan Homes is served by St. Johns County Public Schools. Assignment is by address and can change, so confirm the exact zoned elementary, middle, and high schools for any specific home, plus any magnet or choice options. Treat published ratings as a starting point, not the full story.

Public K-8

Trout Creek Academy (onsite, opened 2024)

Public elementary

Timberlin Creek Elementary

Public middle

Switzerland Point Middle School

Public high

Bartram Trail High School

Private K-12

St. Johns Classical Academy area / St. Joseph Academy (St. Augustine)

Private classical K-8

St. John's Academy (St. Augustine)

Buying with schools in mind? We can confirm the exact zoned schools for any Shearwater Townhomes by Ryan Homes address.

The takeaway

What is actually shaping value around Shearwater Townhomes: the completed CR-210 corridor widening that serves the community, the opening of the onsite Trout Creek Academy K-8, and the shift to a resale-only market after the builder sold out. Each item is sourced and linked.

Recent Developments in Shearwater Townhomes by Ryan Homes

Our read on what is being built around Shearwater Townhomes by Ryan Homes, scored for direction, significance, and how close the effect lands. The full sourced timeline follows below.

Net OutlookBullishThe completed CR-210 widening and the onsite K-8 point up for the corridor. The near-term watch item is how a thin, young resale market prices the HOA-plus-CDD stack against no-CDD rivals.

CR-210 widening from I-95 to U.S. 1 completed (2026)

2026
BullishMajor impact
SignificanceRadius: Corridor

More capacity on the road that serves Shearwater improves commute reliability, a durable positive for resale demand.

Trout Creek Academy K-8 opened inside the master plan (2024)

2024
BullishMajor impact
SignificanceRadius: Community

An onsite, new K-8 is a structural draw for the townhome collection and supports demand at the gate.

Ryan Homes collection sold out, resale-only market

Ongoing
NeutralNotable impact
SignificanceRadius: Community

With no builder anchor, comps are young and thin, so plan, position, and option level set the number.

Shearwater CDD remains on the tax bill

Ongoing
NeutralNotable impact
SignificanceRadius: Community

The CDD line is the cost no-CDD rivals avoid; the all-in monthly is the honest comparison.

Direction, significance, and effect-radius ratings are Momentum's proprietary, qualitative read of the sourced items below, not investment advice or a prediction for any specific home.

Development, infrastructure, retail, and school activity affecting Shearwater Townhomes by Ryan Homes, tracked by our team and summarized from public reporting and official sources, with links to the original coverage. Last updated June 2026.

Showing the latest, scroll for all updates ↓

  1. April 2026
    Roads

    St. Johns County completes CR-210 widening

    The county held a ribbon-cutting marking completion of CR-210 improvements from I-95 to U.S. 1, adding capacity and a new signal along the corridor that serves Shearwater. Why it matters: Improved corridor capacity supports commute reliability and resale demand for Shearwater addresses. Source

  2. August 2024
    Schools

    Trout Creek Academy K-8 opens inside Shearwater

    The St. Johns County district opened Trout Creek Academy, a K-8 inside the Shearwater master plan, to relieve Timberlin Creek and Switzerland Point. Why it matters: An onsite, new K-8 is a structural amenity for the townhome collection and a draw for buyers. Source

Summaries reflect public reporting and official sources linked above as of the dates shown. Project details, timelines, and approvals can change. Commentary on potential market effects is general observation, not investment advice or a prediction for any specific property. For the freshest items across the whole region, see This Week in Northeast Florida.

If we were buying in Shearwater Townhomes by Ryan Homes, this is the order of operations we would run, and the one we run for our clients.

1

Confirm the HOA and CDD math first. Get the townhome dues, exactly what they cover, and the parcel’s Shearwater CDD line and bond status in writing before you judge any price.

2

Pick the plan deliberately. The Neptune’s first-floor owner suite and the Thornewood’s garage-plus-loft serve different buyers; match it to how you will live and resell.

3

Read the position. Interior versus pond-adjacent and the option level move individual homes more than the plan choice does.

4

Price the amenities you will use. Full Shearwater access is real value only if you actually use the campus; otherwise weigh a no-CDD rival.

5

Cross-shop the real peer, Beacon Lake Townhomes, and run the all-in monthly side by side.

Best Buy
A well-positioned resale matched to the plan you will actually use
Biggest Risk
Underpricing the HOA-plus-CDD stack against no-CDD rivals
Best Lot
Position and option level over the plan label alone
Smart Timing
Resale-only market; price off closed comps, not the retired builder sheet
The takeaway

On mobile, tap any heading below to open it. This is the home by home, lot by lot, club and renovation detail, organized so you can jump straight to what matters to you.

Community Details at a Glance

The Homes

Type

Attached townhomes, 2 plans (Ryan Homes)

Size

Roughly 1,635 to 1,924 SF, 3 bedrooms

Plans

Neptune (1st-floor owner suite) or Thornewood (2-car garage, loft)

Status

Builder sold out; resale-only going forward

Costs & Fees

HOA

Townhome dues reported ~$205/mo (confirm coverage)

CDD

Shearwater CDD on the tax bill, varies by parcel

Builder pricing

Closeout ran $299,990 into the $360s

Amenities

Water

Kayak Club lagoon pool, Lazy Bird River, The Perch slide

Fitness

Fitness Lodge with multi-lane lap pool

Outdoors

Trails, Outpost Adventure Park, Trout Creek kayak launch

Access

Full Shearwater master-plan amenity access

Location

Area

Inside Shearwater off CR-210, northern St. Johns

Shopping

~12 to 15 min to Durbin Park retail

Nearby

~22 min to St. Johns Town Center, ~25 to St. Augustine

The Homes & Style

The Ryan Homes Shearwater Townhomes are a two-plan, 3-bedroom collection on Yellowstone Drive inside the Shearwater master plan, running roughly 1,635 to 1,924 square feet with open-concept kitchens, islands, and rear lanais. The defining choice is the floor plan: the Neptune puts the owner suite on the first floor, a rarity in this price band that ages well for buyers who want to avoid stairs, while the Thornewood adds a 2-car garage and a loft that can convert to a fourth bedroom. The collection is recent-code construction and now sold out by the builder, so every purchase from here is a resale.

Living Here

Townhome owners get full Shearwater amenity access, which is among the strongest campuses in Northeast Florida: the Kayak Club lagoon pool, the Lazy Bird River (the region’s longest lazy river), The Perch three-story waterslide, the Fitness Lodge with a multi-lane lap pool, miles of trails, the Outpost Adventure Park, and a kayak launch on Trout Creek inside the plan. The format is lock-and-leave, with the association maintaining exterior layers, which suits first buyers, downsizers, and commuters. Trout Creek Academy, a K-8 that opened inside the plan in 2024, is a structural draw.

Before You Offer

Verify the townhome HOA amount and exactly what it covers (roofs, exterior, insurance split), then pull the parcel’s Shearwater CDD line and bond status from the tax bill, since the CDD is the cost no-CDD rivals avoid. Clarify the association-versus-owner insurance split for the attached format and get a real quote; recent-code construction works in your favor. Confirm the leasing rules before underwriting any rental use, check internet service options, and run a third-party inspection even on a near-new home. Pull the flood determination on any pond-adjacent position.

Comparisons

The closest cross-shop is Beacon Lake Townhomes, which sells a 43-acre paddling lake and its own in-community K-8 with an active builder still anchoring prices; Shearwater sells the lazy-river campus and a finished, sold-out collection. Lennar also sells a separate 24-foot townhome product elsewhere inside Shearwater with its own HOA and streets, so do not let a portal blur the two Shearwater products together. Versus a no-CDD townhome elsewhere on the CR-210 corridor, the honest comparison is all-in monthly versus amenity value, not sticker price alone.

Who It Fits

This fits first buyers, downsizers, and commuters who want a lock-and-leave home with resort-grade amenities and a top St. Johns County school path, and who will actually use the campus that the fees fund. It fits buyers who value the Neptune’s first-floor owner suite or the Thornewood’s garage-and-loft flexibility. It fits less well for buyers who want the lowest possible carrying cost and would rather skip the CDD, those who need a large yard or detached single-family privacy, and anyone unwilling to model the HOA-plus-CDD stack honestly before falling for the lazy river.

The takeaway

Three honest price bands. Condition and lot, not the square footage alone, decide where a home lands.

The Entry
$298K to $323K

An original, interior-position resale, the most affordable way into the Shearwater amenity campus and school path.

Lowest entry
The Core
$323K to $372K

A well-kept resale in the plan that fits your household, on a solid interior or pond-adjacent position, the heart of the market.

Most inventory
The Top
$372K to $388K

A fully optioned, best-position resale, the homes that hold value best in a thin, young resale market.

Strongest resale

Approximate 2026 resale bands from third-party listing data and public records, not NEFAR statistics. Confirm pricing for a specific home.

$298K to $323K
The Entry
An original, interior-position resale, the most affordable way into the Shearwater amenity campus and school path.
$323K to $372K
The Core
A well-kept resale in the plan that fits your household, on a solid interior or pond-adjacent position, the heart of the market.
$372K to $388K
The Top
A fully optioned, best-position resale, the homes that hold value best in a thin, young resale market.

Approximate 2026 resale bands from third-party listing data and public records, not NEFAR statistics. Confirm pricing for a specific home.

15-Second Take
  • Renovation math decides the deal
  • Better lots and views resell strongest
  • Roof and HVAC age drive the insurance quote
  • Interior lots are where buyers overpay
Jon Brooks, Momentum Realty
Operator Note

Most buyers overpay on interior lots in the back half of the community. A sharp renovation can distract you, but the weaker resale position follows the lot, not the finishes. We read the homesite before the kitchen.

Recent-code constructionStrong
Onsite K-8 and amenity campusStrong
Completed CR-210 corridor wideningStrong
Lock-and-leave, low maintenancePositive
HOA-plus-CDD stack and thin compsManage it

Momentum analysis based on the community's structure, location, lot scarcity, and housing stock. Not a guarantee of future value.

Jon Brooks, Momentum Realty
Operator Note

The strongest value pocket is usually a renovated home on a good lot priced just under the next tier up. Buyers chasing the single biggest house often pay top prices for what is really a renovation project.

5 Mistakes Buyers Make in Shearwater Townhomes by Ryan Homes

15-Second Take
  • Calling the listing agent (who works for the seller)
  • Misjudging the renovation budget
  • Overpaying for an interior lot
  • Underbudgeting the carrying costs
  • Skipping the roof, HVAC, and systems check

The same five mistakes cost buyers the most in any market. Every one is avoidable with the right preparation before you tour.

The lazy river and the K-8 sell themselves. The deal is won or lost on the plan, the position, and the HOA-plus-CDD math.

Jon Brooks · Founder, Momentum Realty
8.0B+ · Buy Score
Resale Strength7.8/10
Renovation Risk2.8/10
Location Efficiency8.3/10
Long-Term Defensibility8.0/10
Carrying Cost Advantage6.8/10

Momentum Intelligence Scores are our proprietary, qualitative assessment based on the analysis on this page, on a 0 to 10 scale. They are a framework for comparing communities, not a guarantee of future value or advice on a specific home.

Why our read on Shearwater Townhomes by Ryan Homes is different.

Most pages on this community are an automated estimate wrapped in stock copy. This one is built from the live realMLS feed, fourteen years of closed sales, and a renovation-by-renovation read of what actually moves value here, lot by lot. No Zestimate, no guesswork.

Live realMLS feed14 years of closed salesRenovation-premium analysisLot-by-lot, no automated estimates
Jon Brooks, founder of Momentum Realty. A housing economist with a background in real estate investment banking at Deutsche Bank and consulting at Ernst & Young, who has built and analyzed Northeast Florida real estate from the ground up.

Which Lots & Views Hold Value Best

Where the value actually sits. Each home is shaded by its price per square foot (a value read, not just a price) and ringed by lot type, so you can see at a glance which pockets carry a real, durable premium and where a renovation play makes sense.

Value ($/sqft)
$261 value$401 premium
Lake / waterPreserveInterior

Fill = price per square foot; ring = lot type, inferred from listing descriptions. Sold homes are shown by realized $/sqft (lot type not always recorded). Asking and recent-sold figures from realMLS; for orientation, not an appraisal.

15-Second Take
  • In townhomes, position and floor plan replace the lot ring
  • Interior versus pond-adjacent moves value most
  • The Neptune’s first-floor owner suite is the scarce layout
  • Recent-code construction keeps reno risk low
  • Confirm financeability and the association insurance split

In an attached townhome collection, the durable value is the position and the plan, not a lot ring. Interior versus pond-adjacent placement, the floor plan you choose, and the option level are what the market gives back at resale, while the recent-code construction keeps renovation risk low. Read the position and the plan first, confirm the association insurance split and financeability for the attached format, then price the condition.

Shearwater Townhomes by Ryan Homes in 15 seconds.

Best forFirst buyers, downsizers, and commuters who want a lock-and-leave townhome with resort amenities.
Biggest advantageFull Shearwater amenity access plus an onsite K-8, in recent-code construction.
Biggest riskThe HOA-plus-CDD stack against no-CDD rivals if you will not use the campus.
Sweet spotA well-positioned resale in the plan that fits how you live, priced to closed comps.
Avoid ifYou want the lowest carrying cost, a large yard, or detached single-family privacy.

HOA, CDD & Fees

15-Second Take
  • Townhome HOA reported ~$205/mo (confirm)
  • Shearwater CDD on the tax bill, varies by parcel
  • Dues cover exterior layers, lock-and-leave
  • Full amenity campus access included
  • Model the all-in monthly versus no-CDD rivals

Townhome association dues reported roughly $205 per month (confirm the current amount and exact coverage in writing), plus the Shearwater CDD on the tax bill, which varies by parcel.

Exterior maintenance layers that make the format lock-and-leave, plus access to the full Shearwater amenity campus. Confirm roofs, exterior, and the insurance split in the documents.

No country club or golf. The fees fund the Shearwater CDD amenity campus (lazy river, lagoon pool, Fitness Lodge, trails), which all owners may use.

The takeaway

Selling here is won on condition and view, not the Zestimate. The right number comes from closed comps matched to your renovation level and lot.

Momentum listings (YTD)
97.98%
Sold-to-list ratio across the Jacksonville metro for our agents, sellers keeping more of their price.
Market average (YTD)
96.73%
The broader metro average sold-to-list ratio over the same period.
Momentum days on market
64 days
Median days on market for our listings, faster sales mean less carrying cost and stronger leverage.
Market days on market
72 days
The broader metro median over the same period.

Sold-to-list and days-on-market figures reflect Momentum Realty listings versus the Jacksonville metro average, year to date. Your home's result depends on pricing, condition, lot, view, and preparation.

In Shearwater Townhomes by Ryan Homes, condition and view decide your number

Because buyers here are weighing your home against renovated comps and cross-shopping Beacon Lake Townhomes, a home priced to the community average instead of its true condition and view either leaves money on the table or sits. A renovated kitchen, newer roof and HVAC, and a golf or lake view all deserve to show up in your price, and a buyer pool reading renovation math needs to be shown why your home is worth it. We build that case with real comps and a pricing strategy for the current market.

What is your Shearwater Townhomes by Ryan Homes home worth?

Get a no-obligation home value based on real comparable sales in Shearwater Townhomes by Ryan Homes matched to your condition, lot, and view, not an automated guess. Tell us about your home and we will personally prepare your numbers and a pricing strategy. No obligation, no spam.

See the full Shearwater Townhomes by Ryan Homes home value & selling guide, recent comps, fees, and 2026 timing →

Real comps, not a Zestimate.

Price History: What Homes Here Have Actually Sold For

Median sale prices in Shearwater Townhomes by Ryan Homes year by year since 2012, from closed MLS sales. A long track record beats a single estimate, showing what this community has really done through rate cycles rather than what a model predicts.

How much local inventory is already under contract

23% of homes for sale in Shearwater Townhomes by Ryan Homes are already under contract (under contract ÷ under contract + active listings) — a read on how much of the available inventory buyers have already claimed. Source: MLS data (2026-06-23).

Shearwater Townhomes (Ryan Homes) Market Scorecard

Balanced

Shearwater Townhomes (Ryan Homes) is currently a balanced. About 4.0 months of supply, a median asking price of $350,095, and homes go under contract in about 126 days.

4.0
Months supply
$350,095
Median list
$365,490
Median sold
$202
Per sqft
126
Days on mkt
17/5/51
Active/Pend/Sold

Typical home value in the 32092 ZIP is $468,320, about 23.1% below the Florida norm (Zillow Home Value Index).

Go deeper: ZIP market scorecard · county scorecard · true cost calculator · affordability calculator.

Live data: realMLS, refreshed twice daily. Typical value: Zillow Research. Market metrics only; these describe homes for sale and recent sales, not residents.

Frequently Asked Questions

Location and commute
Off CR-210 in 32092, roughly midway between Jacksonville and St. Augustine: about 8-10 minutes to I-95, 12-15 to Durbin Park's Costco-anchored retail, 22-30 to St. Johns Town Center, about 30 to Mayo Clinic, and 25-30 to downtown St. Augustine. CR-210 slows at peak hours; the interstate does the heavy lifting.
The townhome format in practice
Shared walls, association-maintained exterior layers, and a lock-and-leave rhythm that suits first buyers, downsizers, and commuters. Confirm the exact maintenance and insurance split in the documents, it defines both your monthly and your resale pitch.
The amenity calendar
Shearwater runs an active lifestyle program around the Kayak Club, the Fitness Lodge, and the trail network, part of what the fee stack funds. Buyers who plug in get outsized value; buyers who do not should weigh the no-CDD rivals honestly.
Insurance and flood
Recent-code construction prices favorably; clarify the association-vs-owner insurance split for the format, and pull the parcel-level flood determination on any pond-adjacent position before you write an offer.
Who built the Shearwater Townhomes?
Ryan Homes, the NVR Inc. brand, built this collection on Yellowstone Drive inside the Shearwater master plan. The collection is now sold out, so future purchases are resales.
What plans were offered?
Two: the Neptune, with a first-floor owner suite and the secondary bedrooms upstairs, and the Thornewood, with a 2-car garage and a loft that can convert to a fourth bedroom. Both are 3-bedroom plans of roughly 1,635-1,924 square feet with open kitchens, islands, and rear lanais.
What did they cost?
Ryan Homes' published pricing ran from $299,990 into the $360s during the final phase, after launching from the upper $200s. Resales now set the market; we price them off closed comps, not the retired builder sheet.
What amenities do townhome owners get?
Full Shearwater access: the Kayak Club lagoon pool, the Lazy Bird River (Northeast Florida's longest lazy river), The Perch three-story waterslide, the Fitness Lodge and lap pool, miles of trails, the Outpost Adventure Park, tennis, and the kayak launch on Trout Creek.
What are the fees?
A townhome HOA (third-party listings have shown roughly $205 per month; confirm the current amount and exact coverage in writing) plus the Shearwater CDD on the tax bill, which varies by parcel. We verify both before any offer.
How big is the Shearwater CDD assessment?
It varies by section and property type; Shearwater single-family assessments have typically run in the $1,800-$3,500 per year range and townhome parcels differ. Pull the exact line for the specific parcel from the tax bill, and check whether any bond portion has been paid down.
Is Ryan Homes still selling here?
No. The Shearwater Townhomes collection is sold out; Ryan Homes' community page now lists it as such. That makes this a resale-only market, which changes the negotiation: no builder anchor, thin young comps.
How is this different from Lennar townhomes in Shearwater?
Two separate townhome products in one master plan. Ryan Homes built this two-plan collection on Yellowstone Drive; Lennar sells its own 24-foot townhome product elsewhere in Shearwater from roughly the low-to-mid $300s with its own HOA. Same amenity campus, different builders, plans, fees, and streets, do not let a portal blur them together.
What schools serve the community?
Trout Creek Academy, a K-8 that opened in August 2024, sits inside Shearwater; Timberlin Creek Elementary connects by paved pathway just outside; the corridor's traditional path runs through Switzerland Point Middle to Bartram Trail High School. Confirm current zoning by address with the St. Johns County district.
Neptune or Thornewood, which holds value better?
Different buyers, different scarcities. The Neptune's first-floor owner suite is rare in this price band and ages well with downsizers; the Thornewood's 2-car garage and convertible loft win households and storage-driven buyers. Position and option level move individual homes more than the plan choice does.
What does the HOA cover on a townhome?
Typically exterior maintenance layers that make the format lock-and-leave, but coverage details (roofs, exteriors, insurance splits) vary by document and matter enormously. We confirm the association documents before you offer.
Are rentals allowed?
Verify the association's current leasing rules before underwriting any investment use; master-plan townhome sections often carry minimum-lease terms, and the documents control.
What about insurance and flood?
Clarify the association-vs-owner insurance split for the townhome format, then get a real quote; new-code construction works in your favor. Pull the parcel-level flood determination on any pond-adjacent position.
How does it compare to the Beacon Lake Townhomes?
Beacon Lake's townhomes sell the 43-acre paddling lake and an in-community K-8 with an active builder still anchoring prices; Shearwater's sell the lazy-river campus, the onsite K-8, and a finished, sold-out collection. Both carry HOA-plus-CDD stacks; we run the math side by side with real numbers.
Whats the catch versus a no-CDD townhome?
The Shearwater CDD adds a tax-bill line that no-CDD competitors avoid. The honest comparison is all-in monthly versus amenity value: Shearwater's campus is among the best in Northeast Florida, and the question is whether you will actually use it.
What should I verify before offering?
The HOA amount and exact coverage, the parcel's CDD line and bond status, what original buyers paid for the same plan and position, the leasing rules, the insurance split, and a third-party inspection even on a near-new home. We collect all of it in writing as standard diligence.
First buyers, downsizers, and commuters who want a lock-and-leave homeExcellent fit
Buyers who will actually use the Shearwater amenity campusExcellent fit
Households who value the onsite Trout Creek Academy K-8 and the Bartram Trail pathExcellent fit
Buyers who want the Neptune’s first-floor owner suite or the Thornewood’s garage and loftExcellent fit
Buyers who will model the HOA-plus-CDD stack and the insurance split honestlyExcellent fit
Buyers who want the lowest possible carrying cost and no CDDProbably not
Those who need a large yard or detached single-family privacyProbably not
Buyers who will not use resort amenities they are paying forProbably not
Investors who have not confirmed the current leasing rulesProbably not
Anyone unwilling to inspect a near-new home or verify the insurance splitProbably not

Get the inside read on Shearwater Townhomes by Ryan Homes

Whether you are buying a renovation project, comparing the lots and views, weighing the carrying costs, or selling your Shearwater Townhomes by Ryan Homes home, tell us what you need. Every inquiry comes straight to us. We represent you, not the seller, and what your agent is paid is negotiable and set in a written buyer agreement up front. No obligation, no spam, no high-pressure follow-up.

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A Momentum Realty Shearwater Townhomes by Ryan Homes specialist will reach out personally, usually the same day.

Photography on this page is sourced from active and recently sold MLS listings in this community and remains the property of the listing brokerage and/or photographer. Source: Data provided by realMLS.
Thinking about hiring an agent here? How to find the best real estate agent in Shearwater Townhomes by Ryan Homes — what to look for, questions to ask, and your local expert.
Shearwater Townhomes St Augustine median home price history from 2021 to 2026, chart by Momentum Realty
Median sale price in Shearwater Townhomes St Augustine, Florida by year (2021 to 2026). Source: Momentum Realty.

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