This home is in Shearwater, St. Augustine.

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Active Under Contract

Active Under Contract·105 days on market·Shearwater

88 Howell Court

St. Augustine, FL 32092

$485,000$239/sqftEst. $2,581/moMLS# 2138158

Beds

Baths

2,027

Sq Ft

2017

Built

Garage

Pool

About this home

Shearwater

Welcome to this beautifully designed home where comfort meets thoughtful design. Featuring 4 bedrooms, 3 baths, and a 2-car garage, this property in the desirable Shearwater community offers both style and everyday convenience. The kitchen features an LG refrigerator, newer dishwasher, and a gas stove with oven--perfect for preparing meals or gathering with friends and family. Plantation shutters and upgraded carpeting, add comfort and charm throughout the home. Ceramic wood-look tile runs through the home while crown molding accents the main living areas and primary suite. Quartz vanities add a polished touch to each bathroom and one of the additional bedrooms features its own en-suite bath, offering added privacy for guests or family. Enjoy relaxing on the screened lanai overlooking the fenced in landscaped yard with irrigation, while the paver driveway adds welcoming curb appeal. Additional highlights include a tank-less water heater and washer and gas dryer.

Cost to own

Mortgage calculator

Home Price

$485,000

Down Payment: 20%

$97,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$2,465

Principal & Interest: $2,465

Est. Taxes & Insurance: $616

Estimated Total Monthly

$3,081

*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$2,581

Property taxesest. at asking price, St. Johns County$645

HOAbilled annually$20

Estimated total, before insurance$3,246/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	$431,337	$431,337	—
2024	$433,560	$210,469	—
2023	$436,907	$202,883	—
2022	$389,289	$195,517	—
2021	$296,204	$188,366	—
2020	$284,888	$185,075	—

2025 property taxes (current owner): $8,702/yr

Estimated taxes if purchased at asking price: ~$7,700/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 2017)

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

Solar potential: ~1,781 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

Apr 2, 2026Listed$485,000

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

Features

Price$485,000

Price / Sq Ft$239

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,027

Acres0.14 acres

Year Built2017

TypeResidential

Sub-TypeSingle Family Residence

StyleA-Frame

StatusActive Under Contract

# of Garages2

Has PoolNo

Is WaterfrontNo

School Information

ElementaryTrout Creek Academy

MiddleTrout Creek Academy

HighBeachside

Community Information

Address88 Howell Court, St. Augustine, FL 32092

Area304- 210 South

SubdivisionShearwater

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32092

Lot Size6,098.4 sq ft

Parcel Number0100122300

ZoningResidential

Amenities

AmenitiesPool, Other, Basketball Court, Clubhouse, Dog Park, Fitness Center, Playground, Tennis Court(s)

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

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Garage Door Opener

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), His and Hers Closets, In-Law Floorplan, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Gas Range, Gas Water Heater, Ice Maker, Microwave, Refrigerator, Tankless Water Heater, Washer, Water Softener Rented

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile

# of Stories1

LevelsOne