This home is in Shearwater, St. Augustine.

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Active

Active·91 days on market·Shearwater

128 Smokerise Drive

St. Augustine, FL 32092

$571,499$253/sqftEst. $3,042/moMLS# 2140048

Beds

Baths

2,257

Sq Ft

2026

Built

Garage

Pool

About this home

Shearwater

MOVE IN READY! Lennar Homes, Sierra II floor plan, 4 Bed, 2.5 Bath, a beautiful study and two car garage. Everything's Included features: Gourmet Kitchen, Quartz kitchen counter tops, cabinets, Gourmet stainless steel appliances (gas range, double ovens, dishwasher, microwave, and refrigerator), ceramic wood tile in all wet areas and extended into the living/dining, study and halls, Quartz vanities, pre-screened lanai and sprinkler system. St. Augustine offers a unique lifestyle that blends historic charm, coastal beauty, and a relaxed yet vibrant atmosphere. One year builder warranty, dedicated customer service program and 24-hour emergency service. (Conditions may apply)

Cost to own

Mortgage calculator

Home Price

$571,499

Down Payment: 20%

$114,300

Interest Rate: 6.49%

Loan Term

Monthly Payment

$2,887

Principal & Interest: $2,887

Est. Taxes & Insurance: $722

Estimated Total Monthly

$3,609

*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, 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$3,042

Property taxesest. at asking price, St. Johns County$760

HOAbilled annually$20

Estimated total, before insurance$3,822/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	$135,000	$135,000	—

2025 property taxes (current owner): $4,530/yr

Estimated taxes if purchased at asking price: ~$9,100/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 2026)

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

Apr 15, 2026Listed$571,499

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

Features

Price$571,499

Price / Sq Ft$253

Bedrooms4

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage2,257

Acres0.14 acres

Year Built2026

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch, Traditional

Property ConditionUnder Construction

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

New ConstructionYes

School Information

ElementaryTimberlin Creek

MiddleSwitzerland Point

HighBartram Trail

Community Information

Address128 Smokerise Drive, St. Augustine, FL 32092

Area304- 210 South

SubdivisionShearwater

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32092

Lot Size6,098.4 sq ft

Lot Dimensions50X125

Parcel Number0100260170

Amenities

AmenitiesPool, Clubhouse, Fitness Center, Jogging Path, Playground, Tennis Court(s), Trash

UtilitiesElectricity Connected, Natural Gas Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

Green / EnergyWindows

ParkingGarage, Garage Door Opener

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Eat-in Kitchen, Kitchen Island, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)

AppliancesConvection Oven, Dishwasher, Disposal, Double Oven, Dryer, Gas Cooktop, Gas Oven, Gas Range, Gas Water Heater, Ice Maker, Microwave, Refrigerator, Washer

HeatingCentral, Electric, Heat Pump

CoolingCentral Air, Electric

FlooringTile

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Washer Hookup

SecuritySmoke Detector(s)