This home is in Shearwater, St. Augustine.

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Active

Active·122 days on market·Shearwater

226 Tower Court

St. Augustine, FL 32092

$510,000$214/sqftEst. $2,714/moMLS# 2135104

Beds

Baths

2,379

Sq Ft

2024

Built

Garage

Pool

About this home

Shearwater

Welcome to 226 Tower Court, a move in ready home in Shearwater located in St. Johns County Florida, one of the most sought after master planned golf cart friendly communities near Jacksonville and St. Augustine known for top rated schools and resort style amenities. This beautifully maintained two story home offers a functional and family friendly layout with modern upgrades, smart home features, and peaceful lake views, making it ideal for buyers searching for homes for sale in Shearwater St Johns County, homes with loft and flex space, or homes with water view and fenced backyard in Northeast Florida. From the moment you arrive, the paver driveway and permanent Gemstone exterior lighting create strong curb appeal and year round convenience. Inside, luxury vinyl plank flooring flows throughout the main living areas, and a flex room near the entry provides the perfect space for a home office, playroom, or additional living area, complemented by a full bathroom on the main level.

Cost to own

Mortgage calculator

Home Price

$510,000

Down Payment: 20%

$102,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$2,592

Principal & Interest: $2,592

Est. Taxes & Insurance: $648

Estimated Total Monthly

$3,240

*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$2,714

Property taxesest. at asking price, St. Johns County$679

HOAbilled annually$20

Estimated total, before insurance$3,413/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	$424,735	$374,013	—

2025 property taxes (current owner): $8,119/yr

Estimated taxes if purchased at asking price: ~$8,100/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 2024)

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

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

Mar 16, 2026Listed$510,000

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

Features

Price$510,000

Price / Sq Ft$214

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,379

Acres0.12 acres

Year Built2024

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontYes

School Information

ElementaryTrout Creek Academy

MiddleTrout Creek Academy

HighBeachside

Community Information

Address226 Tower Court, St. Augustine, FL 32092

Area304- 210 South

SubdivisionShearwater

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32092

Lot Size5,227.2 sq ft

Lot Dimensions45x120

Parcel Number0100230880

ZoningResidential

Amenities

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

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

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

ViewLake, Pond, Water

Waterfront TypeLake Front, Pond

Interior

Interior FeaturesCeiling Fan(s), Eat-in Kitchen, Entrance Foyer, His and Hers Closets, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Smart Home, Smart Thermostat, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Oven, Gas Cooktop, Gas Range, Gas Water Heater, Microwave, Refrigerator, Tankless Water Heater, Washer

HeatingCentral, Natural Gas

CoolingCentral Air, Electric

FlooringCarpet, Tile, Vinyl

# of Stories2

LevelsTwo

LaundryIn Unit, Upper Level

SecuritySmoke Detector(s)