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·23 days on market·Shearwater

812 Windley Drive

St. Augustine, FL 32092

$559,000$212/sqftEst. $2,874/moMLS# 2135740

Beds

Baths

2,631

Sq Ft

2022

Built

Garage

Pool

About this home

Shearwater

Welcome to this stunning David Weekley home, Assumable mortgage at 4.99% perfectly designed and curated for the modern homeowner. This spacious 3-bedroom, 2-bathroom home offers an abundance of room and luxury, with features and finishes that are sure to impress. Upon entering, you'll immediately be drawn to the large, light-filled living room, providing an inviting atmosphere for family gatherings or quiet relaxation. With a thoughtfully designed layout, the home includes both a formal dining room and a bonus living room, allowing for endless possibilities for entertaining or personal space. The bedrooms are generously sized, with each one offering ample closet space and an overall feeling of openness. The chef's kitchen is an absolute standout! Upgraded with a spacious pantry, sleek glass doors, it's a true dream for cooking and entertaining. Whether you're preparing a simple meal or hosting friends and family, this kitchen has been perfectly designed for the pickiest chef!

Cost to own

Mortgage calculator

Home Price

$559,000

Down Payment: 20%

$111,800

Interest Rate: 6.66%

Loan Term

Monthly Payment

$2,874

Principal & Interest: $2,874

Property taxes (est.): $744

Insurance (est.): $373

Estimated Total Monthly

$3,990

*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$2,874

Property taxesest. at asking price, St. Johns County$744

HOAbilled annually$20

Estimated total, before insurance$3,637/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$9,471/yr · $789/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

Last sold: $649,000 in September 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$506,412	$455,690	—
2024	$505,026	$455,026	—
2023	$495,026	$445,026	—
2022	$112,000	$112,000	—

2025 property taxes (current owner): $9,471/yr

Estimated taxes if purchased at asking price: ~$8,900/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.

Hurricane evacuation zone F

Zone F evacuates after zones A, B, C, D, E in an approaching storm.

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: ~1,709 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

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

Mar 19, 2026Listed$559,000

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

Features

Price$559,000

Price / Sq Ft$212

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage2,631

Acres0.19 acres

Year Built2022

TypeResidential

Sub-TypeSingle Family Residence

StyleA-Frame

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

School Information

ElementaryTrout Creek Academy

MiddleTrout Creek Academy

HighBeachside

Community Information

Address812 Windley Drive, St. Augustine, FL 32092

Area304- 210 South

SubdivisionShearwater

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32092

Lot Size8,276.4 sq ft

Parcel Number0100162870

Amenities

UtilitiesOther

Water SourcePublic

ParkingOther

Interior

Interior FeaturesBreakfast Bar, Eat-in Kitchen, Entrance Foyer, Kitchen Island, Pantry, Primary Bathroom - Shower No Tub, Split Bedrooms, Walk-In Closet(s)

AppliancesConvection Oven, Dishwasher, Disposal, Gas Cooktop, Gas Range, Gas Water Heater, Tankless Water Heater

HeatingCentral

CoolingCentral Air

FlooringTile

# of Stories1