This home is in Shearwater, St. Augustine.
No photos available
This listing has no photos yet
No photos available
This listing has no photos yet
Sold·Closed Apr 3, 2026·14 days on market·Recent sales in Shearwater·Shearwater
523 Windley Drive
St. Augustine, FL 32092
52 more homes for sale in Shearwater →Search Shearwater on the map
About this home
Shearwater
*OPEN HOUSE ON SAT 2/28 from 12-2!* WELCOME HOME to this stunning and meticulously maintained Boca II Dreamfinders Home in the resort style community of SHEARWATER! Here is your chance to own this Parade of Homes Award winning floor plan that features 4 bedrooms, 4 full bathrooms, 3 car garage, separate STUDY/OFFICE complete with french doors for privacy as well as a downstairs BONUS/FLEX space perfect for that swanky lounge, game room or kids play room you have always wanted! This home is situated on a truly unique and elevated preserve lot perfect for privacy and relaxation! This gorgeous home is MOVE-IN READY and showcases beautiful and durable LVP flooring throughout the entire first floor! No carpet downstairs! The Gourmet Kitchen is a Chef's Dream featuring 42'' cabinets with undermount lighting, upgraded Calacatta Laza Quartz countertops, gorgeous custom backsplash, double ovens, built-in microwave, complete stainless steel appliance package, HUGE walk-in pantry and gas cooktop!
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 2022)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,720 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
2025 property taxes (current owner): $10,927/yr
Estimated taxes if purchased at asking price: ~$11,600/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, NEFMLS.
History
Price & status history
- Feb 19, 2026Listed$739,000
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 $232/sq ft; this home is listed at $224/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 115 Windley Drive, St. Augustine, FL 32092Listed by ROUND TABLE REALTY | Sep 2026 | $625,000 | $253 | 4/3 | 2,473 | 13 | 0.3 |
| 41 Palisade Drive, St. Augustine, FL 32092Listed by CASTILLO REAL ESTATE JAX | Sep 2026 | $590,000 | $217 | 4/3 | 2,723 | 88 | 0.4 |
| 43 Laurel Gate Lane, St. Augustine, FL 32092Listed by ROUND TABLE REALTY | Sep 2026 | $547,500 | $232 | 4/2.5 | 2,357 | 0 | 0.4 |
| 2625 Tunbridge Lane, St. Augustine, FL 32092Listed by ONE SOTHEBY'S INTERNATIONAL REALTY | Oct 2026 | $825,000 | $221 | 5/4 | 3,729 | 59 | 0.7 |
| 33 Martha Court, St. Augustine, FL 32092Listed by FLORIDA HOMES REALTY & MTG LLC | Aug 2026 | $475,000 | $200 | 4/3 | 2,380 | 57 | 0.8 |
| 21 Yardley Court, St. Augustine, FL 32092Listed by VREELAND REAL ESTATE LLC | Sep 2026 | $580,000 | $236 | 4/3 | 2,461 | 78 | 0.9 |
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
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: RE/MAX UNLIMITED
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
More homes in Shearwater
For Sale283 Seahill DriveSt. Augustine, FL 32092
4 bd · 3 ba · 2,989 sq ft
$775,000Est. $4,125/moCDD Bond Portion is Paid Off! Enjoy lower annual ownership costs in this exceptional single story MasterCraft-built…
Listing Office: better homes & gardens real estate lifestyles realty
For Sale649 Windley DriveSt. Augustine, FL 32092
5 bd · 4 ba · 3,287 sq ft
$699,000Est. $3,720/moPerfectly situated on a premium preserve lot in highly desirable Shearwater, this stunning Boca II floor plan offers 5…
Listing Office: real broker llc
For Sale103 Windley DriveSt. Johns, FL 32092
5 bd · 4 ba · 3,051 sq ft
$689,000Est. $3,667/moWelcome to resort-style living in the highly sought-after master-planned community of Shearwater! This beautifully…
Listing Office: ponte vedra club realty, inc.
Pending126 Seahill DriveSt. Augustine, FL 32092
4 bd · 3 ba · 2,989 sq ft
$819,000Est. $4,359/moExperience elevated living in this fully transformed MasterCraft home on a serene preserve lot, complete with new sod…
Listing Office: lowest fee realty llc
Keep looking
Similar homes in St. Augustine
Explore the area
More in Shearwater
Shearwater guides & reports
Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Apr 3, 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.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines