Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

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

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Active Under Contract

Active Under Contract·68 days on market·Shearwater

41 Palisade Drive

St. Augustine, FL 32092

$605,000$222/sqftEst. $3,110/moMLS# 2145339

Beds

Baths

2,723

Sq Ft

2017

Built

Garage

Pool

About this home

Shearwater

Welcome to this beautifully appointed Shearwater home offering the perfect blend of functionality, comfort, and elevated design. Situated on a spacious preserve lot with incredible outdoor living, this home showcases exceptional curb appeal with paver driveway, charming front porch, and timeless coastal-inspired architecture. Inside, you'll find an open and versatile floor plan filled with natural light, soaring ceilings, and thoughtfully designed living spaces throughout. The heart of the home is the expansive kitchen and living area designed for both everyday living and entertaining, while the oversized upstairs loft provides endless flexibility as a media room, fitness space, playroom, or secondary living area. The spacious secondary bedrooms are well-sized with ample storage, and the luxurious primary suite serves as a true retreat featuring tray ceilings, an oversized custom walk-in shower, dual vanities, and an enormous walk-in closet.

Cost to own

Mortgage calculator

Home Price

$605,000

Down Payment: 20%

$121,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$3,110

Principal & Interest: $3,110

Property taxes (est.): $805

Insurance (est.): $403

Estimated Total Monthly

$4,319

*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$3,110

Property taxesest. at asking price, St. Johns County$805

HOAbilled annually$19

Estimated total, before insurance$3,934/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,005/yr · $250/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

Year	Market value	Taxable value	Change
2025	$503,660	$0	—
2024	$509,796	$0	—
2023	$513,922	$0	—
2022	$457,081	$0	—
2021	$388,065	$388,065	—
2020	$370,544	$370,544	—

2025 property taxes (current owner): $3,005/yr

Estimated taxes if purchased at asking price: ~$9,700/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 2017)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Solar potential: ~1,763 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 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

Price & status history

Aug 20, 2026Active Under Contract$605,000
Jul 27, 2026Price change$605,000−$10,000
Jun 23, 2026Listed$615,000

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

Features

Price$605,000

Price / Sq Ft$222

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,723

Acres0.17 acres

Year Built2017

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch

StatusActive Under Contract

# of Garages3

Has PoolNo

Is WaterfrontNo

School Information

ElementaryTrout Creek Academy

MiddleTrout Creek Academy

HighBeachside

Community Information

Address41 Palisade Drive, St. Augustine, FL 32092

Area304- 210 South

SubdivisionShearwater

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32092

Lot Size7,405.2 sq ft

Parcel Number0100121050

ZoningResidential

Amenities

AmenitiesPool, Children's Pool, Clubhouse, Dog Park, Fitness Center, Jogging Path, Park, Playground, Tennis Court(s)

UtilitiesOther

Water SourcePublic

ParkingGarage, Garage Door Opener

Interior

Interior FeaturesBreakfast Bar, Entrance Foyer, Kitchen Island, Pantry, Primary Bathroom - Shower No Tub, Primary Downstairs, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Disposal, Gas Range, Gas Water Heater, Refrigerator, Tankless Water Heater

HeatingCentral

CoolingCentral Air

FlooringTile

# of Stories2

LevelsTwo