This home is in Shearwater, St. Augustine.
Active Under Contract·49 days on market·Shearwater
226 Ashbury Street
St. Augustine, FL 32092
About this home
Shearwater
Motivated! WHOLE-HOUSE GENERATOR, Builder upgrades no longer available, Prime Lot, preserve views!. This beautifully designed Bumble Bee model is 3 or 4 bdrm. 4th room currently used as an office , featuring keyed triple sliding glass doors that effortlessly glide open to create a seamless indoor-outdoor living experience. The interior is packed with premium finishes, including a brand-new whole-house water softener. Rear garage facing home. Only views and sidewalks out front! You can face Florida's hurricane season with absolute confidence thanks to a top-tier Generac 22Kw whole-house generator with automatic fail-over power and a 10-year transferable warranty.
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 | $369,016 | $318,294 | — |
| 2024 | $386,041 | $336,041 | — |
| 2023 | $393,930 | $343,930 | — |
| 2022 | $337,704 | $285,032 | — |
| 2021 | $259,120 | $259,120 | — |
| 2020 | $256,134 | $206,134 | — |
2025 property taxes (current owner): $7,229/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: material not specified — year not disclosed (home built 2018)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,784 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
- Jul 8, 2026Active Under Contract$419,000
- May 28, 2026Listed$419,000
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: FLORIDA LIFE REALTY AND INVESTMENTS, LLC.
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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