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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in Shearwater, St. Augustine — a new construction home in St. Johns County.

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Sold

Sold·Closed Jun 12, 2026·91 days on market·Recent sales in Shearwater·Shearwater

31 Tower Court

St. Augustine, FL 32092

$447,500sold priceListed at $451,990 · 99% of asking$227/sqftMLS# 2124518
4
Beds
2.5
Baths
1,968
Sq Ft
2026
Built
2
Garage
No
Pool

52 more homes for sale in Shearwater →Search Shearwater on the map

HOA $20/mo5,663 sqft lotSingle Family Residence2 storiesNew construction

About this home

Shearwater

The Nassau home plan is a stylish and functional two-story residence, offering 1,968 square feet of thoughtfully designed living space. With four spacious bedrooms and two and a half bathrooms, this home is designed to comfortably accommodate both family and guests. The open-concept main floor seamlessly connects the kitchen, dining, and living areas, creating a perfect setting for entertaining or relaxing with loved ones. High-quality finishes and smart design elements are incorporated throughout, enhancing both the aesthetic appeal and functionality of the space. The well-appointed kitchen, with modern appliances and ample counter space, is ideal for culinary enthusiasts. The two-car garage provides generous space for vehicles and extra storage, meeting the needs of today's modern lifestyle. The Nassau plan is a perfect blend of style, practicality, and comfort, making it an excellent choice for those seeking a spacious and functional home.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$2,479
Property taxesest. at asking price, St. Johns County$595
HOAbilled annually$20
Estimated total, before insurance$3,094/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,135/yr · $345/mo
  • • 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

$447,500
$89,500
Loan Term
Monthly Payment
$2,479
Principal & Interest: $2,479
Property taxes (est.): $596
Insurance (est.): $298
Estimated Total Monthly
$3,373
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, Freddie Mac PMMS via FRED). Taxes use the county effective rate; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs may vary.

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 2026)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

This 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.

Sun & Light

South-facing backyard — the year-round light lot

The listing reports the home facing north, which puts the backyard on the south side. Today at this address: sunrise 7:25 AM, sunset 7:00 PM.

  • The rear gets sun through the day in every season — in winter, the low southern sun keeps the lanai and yard bright when north-facing yards go flat.
  • A pool back here takes sun most of the day, which means warmer water in the shoulder seasons and the most useful screened-lanai light for plants.
  • Summer afternoons are strong but not the direct western blast — shade sails or lanai screening handle it.

Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.

Cost to own

Taxes & assessment

YearMarket valueTaxable valueChange
2025$115,000$115,000—

2025 property taxes (current owner): $4,135/yr

Estimated taxes if purchased at asking price: ~$7,100/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 (2025), NEFMLS.

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 $230/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
31 Donovan Drive, St. Augustine, FL 32092Listed by OLYMPUS EXECUTIVE REALTY, INCSep 2026$545,000$2184/32,500460.1
39 Donovan Drive, St. Augustine, FL 32092Listed by OLYMPUS EXECUTIVE REALTY, INCSep 2026$510,000$2194/2.52,327460.1
196 Donovan Drive, St. Augustine, FL 32092Listed by OLYMPUS EXECUTIVE REALTY, INCSep 2026$460,000$2344/2.51,968820.2
182 Donovan Drive, St. Augustine, FL 32092Listed by OLYMPUS EXECUTIVE REALTY, INCSep 2026$470,000$2614/21,798600.2
254 Seaforth Drive, St. Augustine, FL 32092Listed by IHEART REALTY INCSep 2026$494,500$2444/32,028350.3
153 Chalet Court, St. Augustine, FL 32092Listed by ROUND TABLE REALTYSep 2026$409,000$2443/21,67420.5

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

Price$451,990
Price / Sq Ft$230
Bedrooms4
Bathrooms2.50
Full Baths2
Half Baths1
Square Footage1,968
Total Structure Area2,400 sq ft
Acres0.13 acres
Year Built2026
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
Property ConditionUnder Construction
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontNo
New ConstructionYes
Direction FacesNorth

School Information

Community Information

Address31 Tower Court, St. Augustine, FL 32092
Area304- 210 South
SubdivisionShearwater
CitySt. Augustine
CountySt. Johns
StateFL
Zip Code32092
Lot Size5,662.8 sq ft
Lot Dimensions40X120
Parcel Number0100230020

Amenities

AmenitiesPool, Children's Pool, Clubhouse, Dog Park, Jogging Path, Management - Developer, Park, Playground, Tennis Court(s)
Community FeaturesSidewalks, Street Lights
UtilitiesCable Available, Electricity Connected, Natural Gas Available, Water Available
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage

Interior

Interior FeaturesKitchen Island, Open Floorplan, Pantry, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Gas Oven, Gas Range, Gas Water Heater, Microwave, Plumbed For Ice Maker, Tankless Water Heater
HeatingCentral
CoolingCentral Air, Electric
FlooringCarpet, Laminate, Tile
# of Stories2
LaundryElectric Dryer Hookup, Gas Dryer Hookup
SecurityCarbon Monoxide Detector(s), Smoke Detector(s)

Exterior

Lot DescriptionCleared
Patio / PorchCovered, Porch, Rear Porch
RoofShingle
ConstructionFiber Cement, Frame
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedJanuary 10, 2026
Days on Market91
HOA Fees$236 / Annually
HOA FrequencyAnnually
HOA NameFirst Service Residential
Tax Amount$4,134.88
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionYes

Listing Courtesy of: OLYMPUS EXECUTIVE REALTY, INC

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 →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Jun 12, 2026. 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.

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