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

Active·103 days on market·Shearwater

28 Cobalt Lane

St. Augustine, FL 32092

$540,000$254/sqftEst. $2,776/moMLS# 2145804

Beds

Baths

2,126

Sq Ft

2019

Built

Garage

Pool

About this home

Shearwater

Welcome home to this beautifully upgraded 3-bedroom, 2-bathroom home situated on one of the largest lots in highly sought-after Shearwater -- one of the premier master-planned communities in St. Johns County. From the moment you step inside, you'll feel right at home with a thoughtfully designed floor plan offering seamless transitions, open-concept living, and incredible versatility throughout. Upon entry, you are greeted by a spacious flex room ideal for a formal dining space, home office, playroom, or additional sitting area. The stunning kitchen serves as the heart of the home featuring an oversized quartz island, stainless steel appliances, gas range, abundant cabinetry, walk-in pantry, and beautiful finishes that effortlessly flow into the expansive great room. The inviting living space is enhanced by a custom shiplap feature wall with floating wood shelves, built-in cabinetry, and a sleek linear fireplace creating the perfect blend of warmth and modern design.

Cost to own

Mortgage calculator

Home Price

$540,000

Down Payment: 20%

$108,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$2,776

Principal & Interest: $2,776

Property taxes (est.): $719

Insurance (est.): $360

Estimated Total Monthly

$3,855

*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$2,776

Property taxesest. at asking price, St. Johns County$719

HOAbilled annually$20

Estimated total, before insurance$3,514/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$8,463/yr · $705/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: $500,000 in February 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$452,313	$401,591	—
2024	$454,705	$404,705	—
2023	$444,705	$444,705	—
2022	$406,843	$251,763	—
2021	$315,419	$242,974	—
2020	$288,929	$238,929	—

2025 property taxes (current owner): $8,463/yr

Estimated taxes if purchased at asking price: ~$8,600/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 2019)

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

Solar potential: ~1,786 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

May 18, 2026Listed$540,000

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

Features

Price$540,000

Price / Sq Ft$254

Bedrooms4

Bathrooms2.00

Full Baths2

Square Footage2,126

Acres0.29 acres

Year Built2019

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

School Information

ElementaryTrout Creek Academy

MiddleTrout Creek Academy

HighBeachside

Community Information

Address28 Cobalt Lane, St. Augustine, FL 32092

Area304- 210 South

SubdivisionShearwater

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32092

Lot Size12,632.4 sq ft

Parcel Number0100150750

Amenities

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

UtilitiesOther

Water SourcePublic

ParkingGarage

Interior

Interior FeaturesBuilt-in Features, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Kitchen Island, Open Floorplan, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Gas Cooktop, Microwave, Refrigerator, Tankless Water Heater

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile

# of Stories1

LevelsOne