This home is in Shearwater Townhomes, St. Augustine.

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Pending

Pending·56 days on market·Shearwater Townhomes

190 Yellowstone Drive

St. Augustine, FL 32092

$359,990$199/sqftEst. $1,916/moMLS# 2146488

Beds

Baths

1,813

Sq Ft

2026

Built

Garage

Pool

About this home

Shearwater Townhomes

Now selling at Shearwater in St. Johns County! Move in ready townhomes. Modern design, spray foam insulation and a clean air home system. Whirlpool stainless appliances, washer and dryer, blinds, quartz or granite countertops, 42'' upper cabinets and a smart home package you control on your phone - front door camera, keyless entry, and thermostat. Built better floorplans -spacious kitchen islands, great rooms, plus loft space to live better. Enjoy world-class amenities including a lagoon pool, water slide, lazy river, lap pool, fitness center, multi-use trails, parks, and a community farm garden. Prime location near top-rated schools, shopping, and dining offering the perfect blend of convenience and lifestyle.

Cost to own

Mortgage calculator

Home Price

$359,990

Down Payment: 20%

$71,998

Interest Rate: 6.55%

Loan Term

Monthly Payment

$1,830

Principal & Interest: $1,830

Est. Taxes & Insurance: $457

Estimated Total Monthly

$2,287

*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$1,916

Property taxesest. at asking price, St. Johns County$479

HOAbilled monthly$185

Estimated total, before insurance$2,580/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	$95,000	$95,000	—

Estimated taxes if purchased at asking price: ~$5,700/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.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — year not disclosed (home built 2026)

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.