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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in Shearwater, St. Augustine — a home near Bartram Trail High School.

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Active

Active·173 days on market·Shearwater

118 Smokerise Drive

St. Augustine, FL 32092

$574,619$216/sqftEst. $3,183/mo mortgageMLS# 2142502
↓ $40,380 below original list
4
Beds
3.5
Baths
2,663
Sq Ft
2026
Built
2
Garage
No
Pool

53 more homes for sale in Shearwater →Search Shearwater on the map

FEMA Zone XHOA $20/mo6,098 sqft lotSingle Family Residence2 storiesNew construction

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About this home

Shearwater

Move in Ready! Discover the Sierra Bonus- a spacious luxury living in Shearwater! Situated on a beautiful preserve homesite, this thoughtfully designed brand new one-story home features 4 bedrooms, 4.5 bathrooms, a dedicated study, and an additional bonus room offering endless possibilities for entertaining, relaxing, or hosting guests. The fully appointed kitchen is the heart of the home, showcasing an oversized island, double ovens, and a gas cooktop, perfect for everyday living and entertaining. The open-concept design creates a seamless flow between the kitchen and living areas, while the screened lanai provides the perfect setting to enjoy Florida living and peaceful preserve views. Experience the exceptional Shearwater lifestyle with resort-style amenities, scenic trails, and outdoor recreation in desirable St. Johns County! (Conditions may apply)

Next steps in Shearwater

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Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$3,183
Property taxesest. at asking price, St. Johns County$765
HOAbilled annually$20
Estimated total, before insurance$3,967/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,530/yr · $378/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$574,619
$114,924
Loan Term
Monthly Payment
$3,183
Principal & Interest: $3,183
Property taxes (est.): $765
Insurance (est.): $383
Estimated Total Monthly
$4,330
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-15, 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.

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

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.

Around this address

Nearby, from public data

The closest public beach, park, water access, league fields and grocery store from this home's location.

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

YearMarket valueTaxable valueChange
2025$135,000$135,000—

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

Estimated taxes if purchased at asking price: ~$9,200/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

  • Oct 7, 2026Price change$574,619−$15,380
  • Sep 14, 2026Price change$589,999−$3,000
  • Sep 5, 2026Price change$592,999+$15,000
  • Aug 11, 2026Price change$577,999−$17,000
  • Jul 27, 2026Price change$594,999−$20,000
  • Apr 29, 2026Listed$614,999

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 $250/sq ft; this home is listed at $216/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
135 Smokerise Drive, St. Augustine, FL 32092Listed by LENNAR REALTY INCOct 2026$564,499$2504/2.52,257990
128 Smokerise Drive, St. Augustine, FL 32092Listed by LENNAR REALTY INCAug 2026$571,499$2534/2.52,2571160
57 Smokerise Drive, St. Augustine, FL 32092Listed by LENNAR REALTY INCSep 2026$530,000$2354/2.52,2571080.1
21 Yardley Court, St. Augustine, FL 32092Listed by VREELAND REAL ESTATE LLCSep 2026$580,000$2364/32,461780.4
201 Tilden Court, St. Augustine, FL 32092Listed by ROOT REALTY LLCOct 2026$540,000$2664/32,027720.8
164 Amalia Way, St. Augustine, FL 32092Listed by HERRON REAL ESTATE LLCSep 2026$764,500$2474/3.53,094110.8

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

Price$574,619
Price / Sq Ft$216
Bedrooms4
Bathrooms3.50
Full Baths3
Half Baths1
Square Footage2,663
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

Zoned elementaryTrout Creek Academy
Zone sourceSt. Johns County School District attendance zones, current school year. Zones change; confirm with the district before you rely on one.
Reported elementaryTimberlin Creek
Reported middleSwitzerland Point
Reported highBartram Trail
Reported byThe listing agent, in the MLS. Where it differs from the zone, the zone wins.

Community Information

Address118 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 Number0100260160

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 Stories2
LevelsOne
LaundryElectric Dryer Hookup, Washer Hookup
SecuritySmoke Detector(s)

Exterior

Lot DescriptionSprinklers In Front, Sprinklers In Rear
Patio / PorchFront Porch, Patio, Screened
RoofShingle
ConstructionFiber Cement, Frame
Road SurfaceAsphalt

Additional Information

Date ListedApril 29, 2026
Days on Market173
HOA Fees$236 / Annually
HOA FrequencyAnnually
HOA Fee IncludesPest Control
Tax Amount$4,530.43
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionYes

Listing Courtesy of: LENNAR REALTY INC

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.

View all Shearwater homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

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20+ years · 500+ closings · NE Florida

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