This home is in Shearwater, St. Augustine.

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Active

Active·56 days on market·Shearwater

289 Tower Court

St. Augustine, FL 32092

$435,000$236/sqftEst. $2,315/moMLS# 2146330

Beds

Baths

1,844

Sq Ft

2024

Built

Garage

Pool

About this home

Shearwater

Why wait to build when this beautifully upgraded Glenridge floorplan in Shearwater is move in ready and tucked away on a quiet cul de sac? Offering 1,844 SF of well designed living space with designer finishes throughout, the home features luxury vinyl plank flooring and a gourmet kitchen with quartz countertops, gas cooktop, double ovens, stainless appliances, oversized island, and walk in pantry. The open layout flows seamlessly into the living space, making it ideal for everyday living and entertaining. Upstairs features an oversized loft and a spacious primary suite with tray ceilings, double closets, dual sinks, and a walk in shower. Step outside to a covered patio and enjoy the privacy of your homesite, just moments from Shearwater's top tier amenities including lagoon and lap pools, fitness center, tennis courts, trails, and the highly rated K to 8 school. Home is pre wired for ceiling fans throughout with seller offering a buyer credit toward fixtures.

Cost to own

Mortgage calculator

Home Price

$435,000

Down Payment: 20%

$87,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$2,211

Principal & Interest: $2,211

Est. Taxes & Insurance: $553

Estimated Total Monthly

$2,764

*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$2,315

Property taxesest. at asking price, St. Johns County$579

HOAbilled monthly$20

Estimated total, before insurance$2,914/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	$370,424	$319,702	—

2025 property taxes (current owner): $7,387/yr

Estimated taxes if purchased at asking price: ~$6,900/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 2024)

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

Price & status history

May 21, 2026Listed$435,000

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

Features

Price$435,000

Price / Sq Ft$236

Bedrooms3

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage1,844

Acres0.11 acres

Year Built2024

TypeResidential

Sub-TypeSingle Family Residence

StyleContemporary

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

School Information

ElementaryTrout Creek Academy

MiddleTrout Creek Academy

HighBeachside

Community Information

Address289 Tower Court, St. Augustine, FL 32092

Area304- 210 South

SubdivisionShearwater

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32092

Lot Size4,791.6 sq ft

Parcel Number0100230340

ZoningResidential

Amenities

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

UtilitiesCable Available

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage Door Opener

Interior

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

AppliancesDishwasher, Disposal, Double Oven, Dryer, Electric Oven, Gas Cooktop, Gas Water Heater, Microwave, Refrigerator, Tankless Water Heater, Washer

HeatingCentral

CoolingCentral Air

FlooringCarpet

# of Stories2

LevelsTwo

LaundryUpper Level