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This home is in Shearwater, St. Augustine.

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Active Under Contract

Active Under Contract·119 days on market·Shearwater

21 Yardley Court

St. Augustine, FL 32092

$580,000$236/sqftEst. $2,982/moMLS# 2143186

Beds

Baths

2,461

Sq Ft

2023

Built

Garage

Pool

About this home

Shearwater

Welcome to 21 Yardley Court, a beautifully upgraded home tucked away on a quiet cul-de-sac in the highly desirable St. Augustine 32092 area. This move-in-ready property showcases an impressive list of upgrades, offering modern comfort, style, and peace of mind. From the moment you step inside, you'll notice the attention to detail and elevated finishes throughout. The home features a bright, open-concept layout with upgraded flooring, designer lighting, and a thoughtfully updated kitchen complete with enhanced cabinetry, premium countertops, and modern appliances--perfect for both everyday living and entertaining. The spacious primary suite serves as a private retreat, featuring upgraded finishes and a well-appointed en-suite bath. Additional bedrooms offer flexibility for guests, a home office, or growing households, all complemented by updated touches throughout the home.

Cost to own

Mortgage calculator

Home Price

$580,000

Down Payment: 20%

$116,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$2,982

Principal & Interest: $2,982

Property taxes (est.): $772

Insurance (est.): $387

Estimated Total Monthly

$4,140

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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.

Cost to own

True monthly cost

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

Principal & interest20% down · 6.66% · 30yr$2,982

Property taxesest. at asking price, St. Johns County$772

HOAbilled annually$20

Estimated total, before insurance$3,773/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$8,396/yr · $700/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).

Cost to own

Taxes & assessment

Last sold: $599,000 in July 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$435,987	$385,265	—
2024	$471,587	$421,587	—
2023	$110,000	$110,000	—
2022	$39,200	$39,200	—

2025 property taxes (current owner): $8,396/yr

Estimated taxes if purchased at asking price: ~$9,300/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: material not specified — year not disclosed (home built 2023)

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.

History