This home is in Shearwater, St. Augustine.

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Active

Active·63 days on market·Shearwater

25 Neighbor Court

St. Augustine, FL 32092

$469,900$241/sqftEst. $2,501/moMLS# 2142942

Beds

Baths

1,947

Sq Ft

2025

Built

Garage

Pool

About this home

Shearwater

Shearwater! Enjoy a nearly new home without the wait. This beautiful 4-bed, 3-bath home with a 2-car garage is only 8 months old. Buyer incentive available! Qualified buyers may receive a $2,000 lender credit when utilizing Rocket Mortgage as the preferred lender. Sellers are willing to consider closing cost assistance with an acceptable offer. Inside, the home offers an open and functional layout designed for everyday living. The heart of the home is the spacious kitchen featuring quartz countertops, 42-inch cabinetry, and stainless steel appliances, flowing seamlessly into the dining and living areas. The desirable split-bedroom floor plan provides privacy, while the primary suite creates a peaceful retreat at the end of the day. Beautiful ceramic wood-look tile extends throughout the main living areas, wet spaces, and hallways, offering both style and durability. Additional features include quartz bathroom vanities, window blinds, and a full irrigation system.

Cost to own

Mortgage calculator

Home Price

$469,900

Down Payment: 20%

$93,980

Interest Rate: 6.55%

Loan Term

Monthly Payment

$2,388

Principal & Interest: $2,388

Est. Taxes & Insurance: $597

Estimated Total Monthly

$2,986

*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$2,501

Property taxesest. at asking price, St. Johns County$625

HOAbilled annually$20

Estimated total, before insurance$3,146/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

Last sold: $6,057,700 in October 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$104,000	$104,000	—
2024	$115,000	$115,000	—

2025 property taxes (current owner): $4,113/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.

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 2025)

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

May 15, 2026Listed$469,900

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

Features

Price$469,900

Price / Sq Ft$241

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage1,947

Acres0.18 acres

Year Built2025

TypeResidential

Sub-TypeSingle Family Residence

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

School Information

ElementaryTimberlin Creek

MiddleSwitzerland Point

HighBartram Trail

Community Information

Address25 Neighbor Court, St. Augustine, FL 32092

Area304- 210 South

SubdivisionShearwater

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32092

Lot Size7,840.8 sq ft

Parcel Number0100210010

ZoningResidential

Amenities

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

UtilitiesElectricity Available, Natural Gas Available, Sewer Available, Water Available

SewerPublic Sewer

Water SourcePublic

Green / EnergyWindows

ParkingAttached, Garage, Garage Door Opener

ViewProtected Preserve, Trees/Woods

Interior

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

AppliancesOther, Dishwasher, Microwave, Refrigerator

HeatingCentral, Electric, Heat Pump

CoolingCentral Air, Electric

FlooringCarpet, Tile

FireplaceYes

Fireplace FeaturesElectric

# of Stories1

LevelsOne

LaundryIn Unit

SecuritySmoke Detector(s)