This home is in Shearwater, St. Augustine.

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Pending

Pending·133 days on market·Shearwater

261 Palisade Drive

St. Augustine, FL 32092

$630,000$220/sqftEst. $3,353/moMLS# 2133199

Beds

Baths

2,860

Sq Ft

2018

Built

Garage

Pool

About this home

Shearwater

Beautifully maintained 4BR/3BA home in Shearwater with top-rated St. Johns County schools. Primary suite plus two bedrooms on the main level, with a full guest/bonus suite upstairs. Open kitchen with large island, pantry, and breakfast nook overlooking the wooded preserve. Enjoy a versatile screened lanai with vinyl closing panels, extended paver patio, putting green, horseshoe area, and a fenced yard--all backing to a private preserve for added privacy. Truly move-in ready with upgraded lighting, window treatments, established landscaping, and other completed improvements that save thousands compared to new construction. Shearwater offers a lazy river, resort pools, fitness center, dog park, tennis courts, and miles of trails. A turnkey home with exceptional outdoor features and a prime location.

Cost to own

Mortgage calculator

Home Price

$630,000

Down Payment: 20%

$126,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$3,202

Principal & Interest: $3,202

Est. Taxes & Insurance: $801

Estimated Total Monthly

$4,003

*Estimates based on 30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, Freddie Mac PMMS via FRED). Actual payments 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 · 7.0% · 30yr$3,353

Property taxesest. at asking price, St. Johns County$838

HOAbilled annually$20

Estimated total, before insurance$4,211/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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.

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$543,054	$306,771	—
2024	$551,381	$297,418	—
2023	$555,885	$287,299	▲ $9,646
2022	$483,724	$277,475	—
2021	$370,664	$267,937	—
2020	$357,191	$263,547	—

2025 property taxes (current owner): $7,298/yr

Estimated taxes if purchased at asking price: ~$10,100/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.

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 2018)

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

Solar potential: ~1,768 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 home

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History

Price & status history

Jul 8, 2026Pending$630,000
Mar 5, 2026Listed$630,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$630,000

Price / Sq Ft$220

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,860

Acres0.20 acres

Year Built2018

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusPending

# of Garages2

Has PoolNo

Is WaterfrontNo

School Information

ElementaryTimberlin Creek

MiddleSwitzerland Point

HighBeachside

Community Information

Address261 Palisade Drive, St. Augustine, FL 32092

Area304- 210 South

SubdivisionShearwater

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32092

Lot Size8,712 sq ft

Parcel Number0100121240

ZoningSingle Family

Amenities

AmenitiesPool, Barbecue, Basketball Court, Children's Pool, Dog Park, Fitness Center, Jogging Path, Playground, Tennis Court(s)

UtilitiesCable Available, Cable Connected, Electricity Connected, Natural Gas Available, Natural Gas Connected, Sewer Connected, Water Available, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

ViewTrees/Woods

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Butler Pantry, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Cooktop, Electric Oven, Ice Maker, Microwave, Refrigerator, Tankless Water Heater, Washer

HeatingElectric

CoolingCentral Air

FlooringWood

# of Stories2

LevelsTwo

SecuritySecurity System Owned, Smoke Detector(s)