This home is in Shearwater, St. Augustine.

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Active

Active·126 days on market·Shearwater

246 Atlas Drive

St. Augustine, FL 32092

$784,900$266/sqftEst. $4,178/moMLS# 2134696

Beds

Baths

2,954

Sq Ft

2016

Built

Garage

Pool

About this home

Shearwater

Welcome to this exceptional Shearwater home loaded with custom upgrades and designer touches throughout. Featuring 4 bedrooms and 3 full bathrooms, this thoughtfully designed home offers both luxury and functionality. The spacious kitchen is truly the heart of the home with abundant cabinetry, generous counter space, and an open layout perfect for entertaining. Throughout the home you'll find custom accent walls and stunning ceiling beam details that add warmth and character to multiple living spaces. Upstairs features a dedicated home theater, creating the perfect space for movie nights, game days, or relaxing with family and friends. Step outside to an incredible outdoor living area complete with extended pavers and an outdoor grill, offering the ideal setup for entertaining or enjoying Florida evenings. Every detail of this home has been thoughtfully upgraded, making it a standout property in the highly desirable Shearwater community!

Cost to own

Mortgage calculator

Home Price

$784,900

Down Payment: 20%

$156,980

Interest Rate: 6.55%

Loan Term

Monthly Payment

$3,990

Principal & Interest: $3,990

Est. Taxes & Insurance: $997

Estimated Total Monthly

$4,987

*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$4,178

Property taxesest. at asking price, St. Johns County$1,044

HOAbilled annually$20

Estimated total, before insurance$5,242/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

Last sold: $825,000 in May 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$546,852	$496,130	—
2024	$555,786	$489,271	—
2023	$549,460	$299,240	—
2022	$475,390	$289,068	—
2021	$356,628	$279,192	—
2020	$344,251	$274,647	—

2025 property taxes (current owner): $9,736/yr

Estimated taxes if purchased at asking price: ~$12,500/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: material not specified — year not disclosed (home built 2016)

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

Solar potential: ~1,736 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