Does the CR-210 corridor flood? Here is the map, community by community.

Every master plan on this corridor sells water: Beachwalk’s lagoon, Beacon Lake’s lake, Shearwater’s creek preserve. So the question comes up on the first tour. I’m Krista Fracke, and rather than answer with an adjective I can show you the FEMA flood zone and the county evacuation zone of every home currently for sale in Shearwater, SilverLeaf, Beachwalk, Beacon Lake, Bridgewater and their neighbors, from the same hazard data this site stamps on each listing.

By Krista Fracke — Broker Associate, Christie's International Real Estate First Coast · 20+ years in Northeast Florida · 500+ closings · client reviews

The live table: current corridor inventory by FEMA zone

Of the 368 homes on the market right now along CR-210, 99% map to minimal-hazard Zone X:

FEMA zone	Homes for sale	Share	What it means
X	365	99%	Minimal hazard, outside the mapped high-risk floodplain. Lenders do not require flood insurance.
A	3	1%	High-risk floodplain without detailed elevations mapped. Flood insurance required on a mortgage.

Live from current MLS inventory, refreshed daily. Zones are FEMA’s mapping for each home’s coordinates; an elevation certificate can refine an individual property’s status.

Neighborhood by neighborhood

The same current listings, grouped by subdivision (five or more homes for sale). “High-risk” is FEMA zones A, AE and AO, where a lender requires flood insurance.

Subdivision	For sale	Zone X	High-risk
Shearwater	64	64 (100%)	0
Beachwalk	50	50 (100%)	0
Silverleaf	37	37 (100%)	0
Bridgewater	32	32 (100%)	0
Brook Forest	30	30 (100%)	0
Beacon Lake	19	19 (100%)	0
South Hampton	14	11 (79%)	3
Waterford Lakes	14	14 (100%)	0
Shearwater Townhomes	13	13 (100%)	0
Grand Isle At Beachwalk	9	9 (100%)	0
Beacon Lake Townhomes	7	7 (100%)	0
Atlantica Isles	6	6 (100%)	0
Glen St Johns	6	6 (100%)	0
St Johns Golf & Cc	6	6 (100%)	0

The second table: evacuation zones

St. Johns County orders surge evacuations by lettered zone, A first. This is the evacuation-zone mix of the same current listings, with 88% outside the surge zones altogether:

Evacuation zone	Homes for sale	What it means
Zone A	1	First zone called in a surge evacuation: the lowest ground nearest tidal water.
Zone F	45	Rarely called.
Outside surge zones	324	Outside the county’s surge evacuation zones. Evacuation would be for a different reason (mobile home, medical need, county-wide order).

Why the ground reads the way it does

County Road 210 runs along the high ground of northern St. Johns County, between the St. Johns River to the west and the Intracoastal marshes to the east, and three creeks cross it on their way to the river: Trout Creek, Durbin Creek and Sixmile Creek. FEMA maps a high-risk band along each, which is where Shearwater’s preserve edge and parts of Twin Creeks read AE. Everything else here is a 2010s or 2020s master plan engineered around stormwater: Beachwalk’s lagoon, Beacon Lake’s 43-acre lake, SilverLeaf’s and Shearwater’s pond systems. Those interiors read Zone X, and the lots that touch the water were built to the flood elevation. The table above is that pattern in today’s numbers.

Hurricane exposure is different from flood exposure. This coast has recorded one direct hurricane landfall since 1851, and storms at this latitude tend to run parallel to the shore. The corridor is fifteen miles inland of the dune line, so its storm history is wind, rain, trees and power rather than ocean surge; the evacuation letters here sit in the later alphabet or outside the surge zones, and the table above shows the live mix. The full seventy-year record lives on the regional hurricane-history page.

The part nobody tells you

Florida does not require a seller to disclose that a home has flooded, and Zone X is a map designation, not an inspection. On this corridor the homes that take water in a heavy rain are rarely the lake and lagoon lots, which were built to the flood elevation and drain into the engineered system; they are interior lots on a cul-de-sac at the bottom of a subdivision’s grade, and new-construction lots whose final grading and sod were finished in a hurry. On a lake lot the questions are different: the water-level management of the CDD’s system, the bulkhead or shoreline treatment, and whether the elevation certificate matches the listing. I walk the lot in the rain when I can, I read the survey, and I ask the neighbors. The map is where the conversation starts.

Corridor homes in minimal-hazard Zone X, on the market now

For Sale

571 Caribbean Place

St. Johns, FL 32259

4 bd · 3.5 ba · 3,226 sq ft

$724,990Est. $3,859/mo

Listing Office: chad and sandy real estate group

Photos coming soon

For Sale

1171 Brook Forest Drive

St. Augustine, FL 32092

4 bd · 3 ba · 2,554 sq ft

$799,000Est. $4,253/mo

Listing Office: round table realty

Photos coming soon

For Sale

139 Old Fort Trail

St. Johns, FL 32259

3 bd · 2.5 ba · 1,945 sq ft

$439,500Est. $2,339/mo

Listing Office: coldwell banker anabasis realty

Every corridor listing, each showing its zones →

This is the work I do every week. Shortlisting on CR-210? Send me the addresses. I will pull each home’s flood zone, evacuation zone, elevation and roof age, and get a real insurance quote into the monthly math before you write anything.

Work with Krista (904) 333-8595 Text

Broker Associate · Christie's International Real Estate First Coast · 20+ years · 500+ closings

Common questions

Does the CR-210 corridor flood?

Most of it maps to minimal-hazard Zone X, and the live table on this page shows the current share. The corridor sits on the high ground between the St. Johns River and the Intracoastal, and every master plan here (Shearwater, SilverLeaf, Beacon Lake, Beachwalk, Bridgewater) was engineered around stormwater ponds and lakes. The exceptions are the creek corridors that cross it, Trout Creek, Durbin Creek and Sixmile Creek, where FEMA maps a high-risk band, and the lagoon and lake lots that were built to the flood elevation. The zone of any one home is a per-address fact every listing on this site shows.

Is Shearwater in a flood zone?

Mostly Zone X, with high-risk zones along the Trout Creek preserve edge where the trail system runs. The per-neighborhood table above gives the current count. On a preserve-edge lot I read the FEMA panel and the survey elevation and check which way the lot drains.

Is SilverLeaf in a flood zone?

About 95% of SilverLeaf homes map to Zone X; the remainder are water-adjacent lots in higher-risk zones where a lender requires flood insurance. The table shows the live count for SilverLeaf and its villages.

Do Beachwalk and Beacon Lake flood?

Both are lake communities built around engineered water: Beachwalk around its lagoon, Beacon Lake around its 43-acre lake. The lots that touch the water were built to the flood elevation and some map to high-risk zones; the interior streets read Zone X. The county evacuation letters for both sit in the later letters or outside the surge zones; the evacuation table shows the live mix.

Do I need flood insurance on CR-210?

A lender requires it only in the high-risk zones (A, AE, AO), which here means creek frontage and some lake and lagoon lots. In Zone X it is optional, and I still raise it: Zone X premiums are typically the lowest a homeowner can buy and a large share of national flood claims come from outside the mapped high-risk areas. Knowing the zone before you offer is the part that is not optional.

CR-210 corridor homes for sale →

Every listing, each showing its flood and evacuation zone.

Living in Shearwater →

The amenity plan, with the bill behind it.

Living in SilverLeaf →

No CDD, and what you pay instead.

Beachwalk fees: three bills →

The lagoon club, the CDD and the HOA.

Homes outside high-risk flood zones →

Every St. Johns County listing currently mapped to Zone X, live.

Does Julington Creek flood? →

The same tables for the creek and river side of the county.

Want the flood picture on a specific corridor home?

Tell me the address. I’ll pull its FEMA zone, its evacuation zone, the lot’s elevation story and how insurers are treating that street, before you fall in love with it. On a creek or river lot, the dock and bulkhead too.

Ask Krista

The St. Johns County communities

The county’s big master-planned communities — cross-shopped, compared, and costed the way buyers actually decide between them.

St. Johns County

The big communities

Compare them

Home shopping days

Schools

What your budget buys