This home is in St. Augustine.

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Active

Active·50 days on market

133 Shell Creek Court

St. Augustine, FL 32086

$559,900$200/sqftEst. $2,980/moMLS# 2147347

Beds

Baths

2,797

Sq Ft

2023

Built

Garage

Pool

About this home

St. Augustine

Welcome to this well-designed 4-bed, 3.5-bath sanctuary situated in a quiet, community near top-rated schools and Treaty Park, this home perfectly blends style with family functionality. The heart of the home is a gourmet kitchen featuring upgraded finishes. The open-concept living area boasts a striking full wall of sliding glass doors, seamlessly dissolving the boundary to a spacious covered patio--perfect for indoor-outdoor entertaining. Enjoy ultimate privacy with a coveted first-floor primary suite. Storage is unparalleled; every closet and the pantry have been professionally customized with high-end organization systems. Paired with unique design features throughout, this turnkey property offers a custom feel without the wait. Don't miss this rare St. Augustine gem!

Cost to own

Mortgage calculator

Home Price

$559,900

Down Payment: 20%

$111,980

Interest Rate: 6.55%

Loan Term

Monthly Payment

$2,846

Principal & Interest: $2,846

Est. Taxes & Insurance: $711

Estimated Total Monthly

$3,557

*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$2,980

Property taxesest. at asking price, St. Johns County$745

HOAbilled monthly$88

Estimated total, before insurance$3,813/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

Last sold: $508,900 in November 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$461,110	$342,190	—
2024	$422,425	$422,425	—
2023	$35,000	$35,000	—

2025 property taxes (current owner): $5,124/yr

Estimated taxes if purchased at asking price: ~$8,900/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: material not specified — year not disclosed (home built 2023)

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

Solar potential: ~1,628 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