This home is in Shearwater Townhomes, St. Augustine.

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Active

Active·66 days on market·Shearwater Townhomes

35 Carmella Court

St. Augustine, FL 32092

$345,000$202/sqftEst. $1,759/moMLS# 2146119

Beds

Baths

1,707

Sq Ft

2023

Built

Garage

Pool

About this home

Shearwater Townhomes

Welcome to this a stunning 2023-built, move-in ready townhome in Shearwater, one of St. Johns County's most sought-after resort-style communities! This 3BD/2.5BA, 1,707 SF home features an open-concept layout with fresh paint, wood-look tile throughout the first floor, and a gorgeous kitchen with quartz countertops, stainless steel appliances, and updated hardware. A charming breakfast nook leads to a private screened lanai with serene waterfront views -- your personal retreat! Upstairs features 3 bedrooms, a flexible loft perfect for a home office, and a spacious primary suite. Shearwater amenities include a luxury pool, lazy river, fitness lodge, tennis courts, dog park, and kayak launch. Walking distance to the brand-new Trout Creek Academy K-8, zoned in Florida's #1 ranked St. Johns County School District. Like-new without the wait -- this one checks every box! Ask about 1% lender credit with preferred lender.

Cost to own

Mortgage calculator

Home Price

$345,000

Down Payment: 20%

$69,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,759

Principal & Interest: $1,759

Property taxes (est.): $459

Insurance (est.): $230

Estimated Total Monthly

$2,448

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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 · 6.58% · 30yr$1,759

Property taxesest. at asking price, St. Johns County$459

HOAbilled monthly$160

Estimated total, before insurance$2,378/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$6,139/yr · $512/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: $355,900 in November 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$288,105	$237,383	—
2024	$286,621	$286,621	—
2023	$57,000	$57,000	—

2025 property taxes (current owner): $6,139/yr

Estimated taxes if purchased at asking price: ~$5,500/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 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

Price & status history

May 21, 2026Listed$345,000

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

Features

Price$345,000

Price / Sq Ft$202

Bedrooms3

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage1,707

Acres0.04 acres

Year Built2023

TypeResidential

Sub-TypeTownhouse

Property ConditionUpdated/Remodeled

StatusActive

# of Garages1

Has PoolNo

Is WaterfrontYes

School Information

ElementaryTrout Creek Academy

MiddleTrout Creek Academy

HighBeachside

Community Information

Address35 Carmella Court, St. Augustine, FL 32092

Area304- 210 South

SubdivisionShearwater Townhomes

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32092

Lot Size1,742.4 sq ft

Parcel Number0100180860

ZoningResidential

Amenities

AmenitiesPool, Basketball Court, Clubhouse, Dog Park, Fitness Center, Jogging Path, Maintenance Grounds, Playground, Tennis Court(s)

UtilitiesCable Available, Electricity Available, Sewer Available, Water Available

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

ViewPond

Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Built-in Features, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Cooktop, Electric Oven, Electric Range, Electric Water Heater, Freezer, Ice Maker, Microwave, Refrigerator, Washer

HeatingElectric

CoolingElectric

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, Washer Hookup

Spa FeaturesCommunity