This home is in Shearwater, St. Augustine.
Active·49 days on market·Shearwater
45 Spindrift Court
St. Augustine, FL 32092
About this home
Shearwater
Discover the perfect combination of comfort, community, and convenience in this beautifully maintained David Weekley home located in the highly sought-after Shearwater community of St. Augustine. Featuring the rarely available Ridgestone floor plan, this thoughtfully designed 3-bedroom, 2-bath home offers bright, open living spaces with a functional split-bedroom layout and an additional flex/office space perfect for working from home, a playroom, or formal sitting area. The heart of the home is the spacious gourmet kitchen, complete with a large center island, walk-in pantry, abundant cabinet space, and full backsplash, all overlooking the open living and dining areas ideal for entertaining or everyday living. Natural light pours throughout the home, creating a warm and inviting atmosphere from the moment you walk in. Step outside and enjoy your morning coffee from the charming front porch where neighbors gather, or unwind in the
Cost to own
Mortgage calculator
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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 | $366,130 | $295,169 | — |
| 2024 | $389,159 | $286,143 | — |
| 2023 | $392,155 | $276,352 | — |
| 2022 | $351,091 | $266,847 | — |
| 2021 | $263,461 | $188,358 | — |
2025 property taxes (current owner): $6,918/yr
Estimated taxes if purchased at asking price: ~$6,700/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.
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 2016)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,720 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 homeInformational 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 28, 2026Listed$419,499
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
The neighborhood
About Shearwater
Shearwater is a neighborhood in St. Johns County, FL (St. Johns County), ZIP 32092.
View all Shearwater homes for sale →Listing Courtesy of: BETROS REALTY INC
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Your Local Expert
Krista Fracke
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