This home is in Shearwater, St. Augustine — a waterfront home in St. Johns County.
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Sold·Closed Oct 10, 2025·112 days on market·Recent sales in Shearwater·Shearwater
99 Cobalt Lane
St. Augustine, FL 32092
54 more homes for sale in Shearwater →Search Shearwater on the map
About this home
Shearwater
Welcome to your dream home—where comfort, style, and functionality come together beautifully! This spacious 4-bedroom, 2.5-bathroom home also includes a versatile bonus room—perfect for a home office or guest suite. The owner's suite features a luxurious walk-in designer closet, offering both elegance and organization. You'll love the thoughtfully designed open-concept layout and the many upgrades throughout, including: Shiplap accents in the entryway and around the kitchen island, stylish kitchen backsplash, whole-house water softener, built-in drinking water filtration system, and ample storage throughout. Enjoy indoor-outdoor living with an enclosed lanai that opens to a generously sized back patio, complete with beautiful new pavers—ideal for entertaining or relaxing. The extended driveway and oversized garage can accommodate up to 6 vehicles, and additional ceiling-mounted storage racks provide even more space. The home is ideally situated on a premium
Next steps in Shearwater
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • Homeowners insurance is on top — in Florida it varies widely with roof age and wind/flood zone (see the Reality Check below). Budget it before you offer.
- • In CDD communities (Nocatee, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
- • Taxes are estimated at YOUR purchase price — Florida assessments reset on sale, so the seller’s current bill is usually lower than yours will be (that applies to the reference bill above too).
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
Storms & insurance
Florida Reality Check
The storm-and-insurance facts every Florida buyer should know up front.
Flood zone not yet determined
Check the exact parcel at msc.fema.gov or ask Krista to pull it.
Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.
Evacuation zone not yet determined
Check floridadisaster.org/knowyourzone.
Roof: Shingle — year not disclosed (home built 2019)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,798 usable sun-hours per year
A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.
Krista can connect you with local insurance quotes before you make an offer.
Ask about this homeThis Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields at this property’s coordinates. None of it is a determination, survey, or inspection, and public records can lag or conflict with on-site conditions. Independently verify anything you’ll rely on: the flood zone at msc.fema.gov and floridadisaster.org/knowyourzone (and confirm flood-insurance cost with your lender and a licensed insurance agent), and the sewer/septic, roof, and utilities with a professional inspection.
Cost to own
Taxes & assessment
2024 property taxes (current owner): $8,227/yr
Estimated taxes if purchased at asking price: ~$8,100/yr
Florida’s Save Our Homes cap limits how fast the current owner’s assessment can rise — and it resets when a home sells, so a buyer’s tax bill is typically based on the purchase price, not the seller’s bill above. Estimate uses the median effective rate across 1,595 current St. Johns listings and includes typical non-ad-valorem assessments; actual taxes depend on exemptions and taxing district. Sources: Florida DOR certified tax roll, NEFMLS.
History
Price & status history
- Apr 22, 2025Listed$513,900
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Closed sales
What sold nearby
Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $244/sq ft; this home is listed at $224/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 201 Tilden Court, St. Augustine, FL 32092Listed by ROOT REALTY LLC | Oct 2026 | $540,000 | $266 | 4/3 | 2,027 | 72 | 0.1 |
| 153 Chalet Court, St. Augustine, FL 32092Listed by ROUND TABLE REALTY | Sep 2026 | $409,000 | $244 | 3/2 | 1,674 | 2 | 0.4 |
| 115 Windley Drive, St. Augustine, FL 32092Listed by ROUND TABLE REALTY | Sep 2026 | $625,000 | $253 | 4/3 | 2,473 | 13 | 0.4 |
| 21 Yardley Court, St. Augustine, FL 32092Listed by VREELAND REAL ESTATE LLC | Sep 2026 | $580,000 | $236 | 4/3 | 2,461 | 78 | 0.5 |
| 41 Palisade Drive, St. Augustine, FL 32092Listed by CASTILLO REAL ESTATE JAX | Sep 2026 | $590,000 | $217 | 4/3 | 2,723 | 88 | 0.7 |
| 43 Laurel Gate Lane, St. Augustine, FL 32092Listed by ROUND TABLE REALTY | Sep 2026 | $547,500 | $232 | 4/2.5 | 2,357 | 0 | 0.7 |
Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: REALTY ONE GROUP ELEVATE
Sold by: COMPASS FLORIDA LLC (buyer's brokerage)
Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.
The neighborhood
About Shearwater
Shearwater is a neighborhood in St. Johns County, FL (St. Johns County), ZIP 32092.
View all Shearwater homes for sale →Keep looking
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Oct 10, 2025. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.
Text Krista about this saleHomes for sale nearby →20+ years · 500+ closings · NE Florida
Curious what nearby homes sold for?
MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
Northeast Florida living
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