Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in Shearwater, St. Augustine — a home near Beachside High School.

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Active

Active·167 days on market·Shearwater

226 Tower Court

St. Augustine, FL 32092

$499,999$210/sqftEst. $2,571/moMLS# 2135104

Beds

Baths

2,379

Sq Ft

2024

Built

Garage

Pool

About this home

Shearwater

$10,000 TOWARD CLOSING COSTS & PREPAIDS | NOW THROUGH SEPTEMBER 1ST! Why wait to build when you can have the home you've been watching, already finished, upgraded, and ready to move in? The seller of 226 Tower Court is highly motivated and is offering $10,000 toward the buyer's closing costs and prepaids with an acceptable executed contract by September 1st. With new construction incentives becoming increasingly competitive, this is an opportunity to get many of the same financial advantages while skipping the wait for construction and enjoying a home that is already complete, upgraded, landscaped, and ready for you. If you've been watching this home, now is the time to act. The combination of the $10,000 seller incentive, thoughtful upgrades, lake views, fenced backyard, smart home features, and established outdoor spaces makes 226 Tower Court one of the best values currently available in Shearwater and a compelling alternative to new construction. 226 Tower Court is, a beautifully

Cost to own

Mortgage calculator

Home Price

$499,999

Down Payment: 20%

$100,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$2,571

Principal & Interest: $2,571

Property taxes (est.): $665

Insurance (est.): $333

Estimated Total Monthly

$3,569

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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 · 6.66% · 30yr$2,571

Property taxesest. at asking price, St. Johns County$665

HOAbilled annually$20

Estimated total, before insurance$3,255/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$8,119/yr · $677/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, 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

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: ~$8,000/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

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

Price & status history

Jul 29, 2026Price change$499,999−$10,001
Mar 16, 2026Listed$510,000

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

Features

Price$499,999

Price / Sq Ft$210

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)