This home is in Shearwater Townhomes, St. Augustine.

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Active·66 days on market·Shearwater Townhomes

119 Yellowstone Drive

St. Augustine, FL 32092

$359,900$185/sqftEst. $1,916/moMLS# 2144648

Beds

Baths

1,946

Sq Ft

2025

Built

Garage

Pool

About this home

Shearwater Townhomes

Welcome to this move-in ready 2025 townhome in the highly desirable Shearwater community! This beautifully designed 3-bedroom, 2.5-bath home offers 1,942 sq. ft. of open-concept living with a gourmet kitchen, large island, and spacious great room perfect for entertaining. All appliances, including the refrigerator, washer, and dryer, convey for truly turnkey living. Upstairs features all bedrooms plus a versatile loft ideal for an office, media room, or play area. A 2-car garage and stylish finishes add comfort and convenience. Enjoy Shearwater's resort-style amenities including a lazy river, lagoon pool, waterslide, fitness center, tennis courts, trails, playgrounds, kayak launches, and more. This golf cart-friendly community makes it easy to explore the neighborhood and enjoy the Florida lifestyle in one of Northeast Florida's premier communities.

Cost to own

Mortgage calculator

Home Price

$359,900

Down Payment: 20%

$71,980

Interest Rate: 6.55%

Loan Term

Monthly Payment

$1,829

Principal & Interest: $1,829

Est. Taxes & Insurance: $457

Estimated Total Monthly

$2,287

*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$1,916

Property taxesest. at asking price, St. Johns County$479

HOAbilled monthly$185

Estimated total, before insurance$2,579/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	$95,000	$95,000	—

property taxes (current owner): $1,549/yr

Estimated taxes if purchased at asking price: ~$5,700/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