This home is in Shearwater, St. Augustine.

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Active Under Contract

Active Under Contract·90 days on market·Shearwater

220 Rivercliff Trail

St. Augustine, FL 32092

$459,900$227/sqftEst. $2,448/moMLS# 2140584

Beds

Baths

2,027

Sq Ft

2019

Built

Garage

Pool

About this home

Shearwater

Best value in Shearwater! - AND seller will contribute up to $10,000 toward buyer closing costs, rate buy-down, or prepaid expenses. This 4BR/3BA home offers a smart one-story layout, open living spaces, plank-style tile in the main areas and baths, and brand-new carpet in all bedrooms. The kitchen features quartz counters, a large island, stainless appliances and gas cooktop, opening directly to the main living area for easy everyday living and entertaining. The split-bedroom layout gives flexibility for guests, a home office, teen suite, or multigenerational living, with the three full baths that many buyers need. The large screened lanai overlooks a private backyard framed by mature shrubs. Washer and dryer included, plus golf cart available separately. The ideal location within Shearwater means an easy stroll to the world-class amenities. Why wait on new construction when you can move into a beautiful established home in one of St. Johns County's most popular communities?

Cost to own

Mortgage calculator

Home Price

$459,900

Down Payment: 20%

$91,980

Interest Rate: 6.55%

Loan Term

Monthly Payment

$2,338

Principal & Interest: $2,338

Est. Taxes & Insurance: $584

Estimated Total Monthly

$2,922

*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$2,448

Property taxesest. at asking price, St. Johns County$612

HOAbilled annually$20

Estimated total, before insurance$3,080/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	$435,739	$278,354	—
2024	$438,129	$269,802	—
2023	$438,129	$260,487	—
2022	$388,415	$251,444	—
2021	$300,094	$242,664	—
2020	$288,623	$238,623	—

2025 property taxes (current owner): $6,803/yr

Estimated taxes if purchased at asking price: ~$7,300/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 2019)

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

Solar potential: ~1,742 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 17, 2026Listed$459,900

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

Features

Price$459,900

Price / Sq Ft$227

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,027

Acres0.20 acres

Year Built2019

TypeResidential

Sub-TypeSingle Family Residence

StatusActive Under Contract

# of Garages2

Has PoolNo

Is WaterfrontNo

School Information

ElementaryTrout Creek Academy

MiddleTrout Creek Academy

HighBeachside

Community Information

Address220 Rivercliff Trail, St. Augustine, FL 32092

Area304- 210 South

SubdivisionShearwater

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32092

Lot Size8,712 sq ft

Parcel Number0100123430

Amenities

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

UtilitiesCable Available

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage