This home is in Shearwater, St. Augustine — a home near Beachside High School.
Active·173 days on market·Shearwater
165 Bluffton Court
St. Augustine, FL 32092
53 more homes for sale in Shearwater →Search Shearwater on the map
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About this home
Shearwater
Discover a home designed for the way you live! Situated at the end of a quiet cul-de-sac in the sought-after Shearwater community, this beautifully maintained, single-story home offers an inviting open-concept layout, two versatile flex spaces, and a thoughtfully designed floor plan that provides room for everyone to spread out. One of the home's standout features is its unique layout, with two secondary bedrooms and a versatile flex space nestled between them, creating a wonderful retreat for children, guests, or visiting family. This inviting arrangement offers room for a media area, playroom, study area, or additional sitting room. A second flex space near the front of the home provides even more possibilities for a home office, formal dining room, or quiet retreat. The spacious, open-concept living and dining areas flow seamlessly into the beautifully appointed kitchen, featuring granite countertops, stainless steel appliances, double wall ovens, espresso cabinetry, and generous
Next steps in Shearwater
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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).
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
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 2016)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,749 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 homeAs 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.
Around this address
Nearby, from public data
The closest public beach, park, water access, league fields and grocery store from this home's location.
Closest beach parking
Guana Reserve beach lot (south)about 14 mi · 94 parking spaces
Closest park or preserve
Gourd Island Conservation Area15 min drive · 3.3 mi of trails
Closest public boat ramp
Trout Creek Park Boat Rampabout 4 mi · St. Johns River - Trout Creek (St. Augustine)
Closest kayak & paddleboard launch
Alpine Groves Park Canoe and Kayak Launchabout 6 mi · St. Johns River
Closest youth league fields
Durbin Crossing Park15 min drive · Baseball, Football, Lacrosse, Softball, Track, Soccer
Closest grocery store
Publix11 min drive · 2845 County Road 210 W, Saint Johns
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $427,078 | $246,578 | — |
| 2024 | $428,870 | $238,780 | — |
| 2023 | $432,204 | $230,223 | — |
| 2022 | $385,170 | $226,416 | — |
| 2021 | $292,148 | $218,350 | — |
| 2020 | $280,962 | $214,638 | — |
2025 property taxes (current owner): $6,375/yr
Estimated taxes if purchased at asking price: ~$7,500/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.
History
Price & status history
- Jul 9, 2026Price change$469,000−$6,000
- Apr 28, 2026Listed$475,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Closed sales
What sold nearby
Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $244/sq ft; this home is listed at $219/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 41 Palisade Drive, St. Augustine, FL 32092Listed by CASTILLO REAL ESTATE JAX | Sep 2026 | $590,000 | $217 | 4/3 | 2,723 | 88 | 0.2 |
| 201 Tilden Court, St. Augustine, FL 32092Listed by ROOT REALTY LLC | Oct 2026 | $540,000 | $266 | 4/3 | 2,027 | 72 | 0.6 |
| 153 Chalet Court, St. Augustine, FL 32092Listed by ROUND TABLE REALTY | Sep 2026 | $409,000 | $244 | 3/2 | 1,674 | 2 | 1 |
| 21 Yardley Court, St. Augustine, FL 32092Listed by VREELAND REAL ESTATE LLC | Sep 2026 | $580,000 | $236 | 4/3 | 2,461 | 78 | 1.1 |
| 135 Smokerise Drive, St. Augustine, FL 32092Listed by LENNAR REALTY INC | Oct 2026 | $564,499 | $250 | 4/2.5 | 2,257 | 99 | 1.2 |
| 254 Seaforth Drive, St. Augustine, FL 32092Listed by IHEART REALTY INC | Sep 2026 | $494,500 | $244 | 4/3 | 2,028 | 35 | 1.3 |
Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY
Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.
The neighborhood
About Shearwater
Shearwater is a neighborhood in St. Johns County, FL (St. Johns County), ZIP 32092.
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Your Local Realtor
Krista Fracke
Broker Associate
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Northeast Florida living
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