This home is in Shearwater Townhomes, St. Augustine.

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Active·137 days on market·Shearwater Townhomes

38 Bramble Court

St. Augustine, FL 32092

$287,000$168/sqftEst. $1,463/moMLS# 2130187

Beds

Baths

1,707

Sq Ft

2023

Built

Garage

Pool

About this home

Shearwater Townhomes

SHORT SALE ! Beautifully maintained 3 bedroom, 2.5 bathroom townhome offering the perfect blend of comfort, style, and functionality. From the moment you arrive, you'll appreciate the charming curb appeal with coordinated exterior detailing, paver driveway, private garage, and welcoming entry. Inside, you are greeted by light wood-look tile flooring, neutral paint, and an open-concept layout that feels bright and airy. The spacious living area flows seamlessly into the dining space and kitchen, creating an ideal setting for both everyday living and entertaining. The kitchen features white cabinetry, quartz countertops, stainless steel appliances, recessed lighting, a large center island with seating, and a deep undermount sink with upgraded faucet. Sliding glass doors lead to a screened-in lanai with brick paver flooring -- a peaceful retreat perfect for morning coffee or evening relaxation. The additional front sitting area offers even more space to unwind.

Cost to own

Mortgage calculator

Home Price

$287,000

Down Payment: 20%

$57,400

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,463

Principal & Interest: $1,463

Property taxes (est.): $382

Insurance (est.): $191

Estimated Total Monthly

$2,037

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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.

Cost to own

True monthly cost

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

Principal & interest20% down · 6.58% · 30yr$1,463

Property taxesest. at asking price, St. Johns County$382

HOAbilled annually$20

Estimated total, before insurance$1,865/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,970/yr · $497/mo

This bill runs well above the county-average estimate — usually the sign of a CDD or special assessment on this home. We confirm the exact line (and whether a bond was ever prepaid) before you offer.

• 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).

Cost to own

Taxes & assessment

Last sold: $325,500 in August 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$275,527	$224,805	—
2024	$274,151	$224,151	—
2023	$57,000	$57,000	—

2025 property taxes (current owner): $5,970/yr

Estimated taxes if purchased at asking price: ~$4,600/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.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Zone X — minimal flood hazard

Flood insurance is typically not required by lenders (always optional).

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: Shingle — year not disclosed (home built 2023)

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

As of July 2026, 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.

History