This home is in Shearwater, St. Augustine.

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Pending

Pending·49 days on market·Shearwater

209 Rivercliff Trail

St. Augustine, FL 32092

$520,000$257/sqftEst. $2,768/moMLS# 2147426

Beds

Baths

2,027

Sq Ft

2019

Built

Garage

Pool

About this home

Shearwater

Immaculate 4 bd./3 full bath home located in the popular Shearwater Community with many amenities, natural gas, and close to A rated schools. The home features include a gourmet kitchen, stainless steel appliances, quartz countertops, tile flooring throughout except for bedrooms. The home has not only a lovely owners suite with custom walk- in closets, but another suite with a full bath. The other side of the home features 2 bedrooms and a full bath which is made private by a sliding barn door. This area of the home could be used as an in- law- suite or guest suite. Other features are a large- covered screen lanai (which backs up to a wooded preserve), beautiful light fixtures, newly painted walls, plantation shutters throughout, water softener, and lots of closet space. This is a very versatile home plan which can suit most any family situation. Come see this amazing home and make it yours!!!

Cost to own

Mortgage calculator

Home Price

$520,000

Down Payment: 20%

$104,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$2,643

Principal & Interest: $2,643

Est. Taxes & Insurance: $661

Estimated Total Monthly

$3,304

*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$2,768

Property taxesest. at asking price, St. Johns County$692

HOAbilled annually$20

Estimated total, before insurance$3,480/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	$443,288	$278,606	—
2024	$446,027	$269,906	—
2023	$446,130	$260,443	—
2022	$393,830	$255,755	—
2021	$304,777	$246,835	—
2020	$289,274	$238,774	—

2025 property taxes (current owner): $6,806/yr

Estimated taxes if purchased at asking price: ~$8,300/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 2019)

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

Solar potential: ~1,739 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.

Features

Price$520,000

Price / Sq Ft$257

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,027

Total Structure Area2,381 sq ft

Year Built2019

TypeResidential

Sub-TypeSingle Family Residence

StyleCraftsman

StatusPending

# of Garages2

Has PoolNo

Is WaterfrontNo

Gated CommunityYes

School Information

ElementaryTimberlin Creek

MiddleSwitzerland Point

HighBartram Trail

Community Information

Address209 Rivercliff Trail, St. Augustine, FL 32092

Area304- 210 South

SubdivisionShearwater

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32092

Lot Dimensions6534

Parcel Number0100121710

ZoningResidential

Amenities

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

UtilitiesCable Connected, Electricity Connected, Natural Gas Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

ViewProtected Preserve

Interior

Interior FeaturesBuilt-in Features, Ceiling Fan(s), Guest Suite, In-Law Floorplan, Jack and Jill Bath, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Double Oven, Dryer, Gas Range, Gas Water Heater, Microwave, Refrigerator, Tankless Water Heater, Water Softener Owned

HeatingCentral, Natural Gas

CoolingCentral Air, Electric

FlooringCarpet, Tile

# of Stories1

LevelsOne

LaundryGas Dryer Hookup, Washer Hookup

SecurityCarbon Monoxide Detector(s)