This home is in Shearwater, St. Augustine.

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Active

Active·23 days on market·Shearwater

41 Palisade Drive

St. Augustine, FL 32092

$615,000$226/sqftEst. $3,273/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

$615,000

Down Payment: 20%

$123,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$3,126

Principal & Interest: $3,126

Est. Taxes & Insurance: $781

Estimated Total Monthly

$3,907

*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$3,273

Property taxesest. at asking price, St. Johns County$818

HOAbilled annually$19

Estimated total, before insurance$4,110/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	$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: ~$9,800/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

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

Jun 23, 2026Listed$615,000

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

Features

Price$615,000

Price / Sq Ft$226

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,723

Acres0.17 acres

Year Built2017

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch

StatusActive

# 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