Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in Shearwater, St. Augustine — a waterfront home in St. Johns County.

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Active

Active·93 days on market·Shearwater

681 Glenneyre Circle

St. Augustine, FL 32092

$1,080,000$280/sqftEst. $5,552/moMLS# 2147621

Beds

Baths

3,857

Sq Ft

2017

Built

Garage

Pool

About this home

Shearwater

Welcome to your new home at 681 Glenneyre Circle in the quiet and picturesque Shearwater neighborhood. This beautiful and meticulously planned home sits on a tranquil 0.35-acre lot offering privacy and scenic lake views. The home boasts 4 large bedrooms and 4.5 bathrooms. No expense has been spared; every space in this home is outfitted with premium high end finishes and appliances (Twin Eagle, Wolf, Etc). The roomy open concept living area leads to an extended patio which includes a fully equipped outdoor kitchen and custom firepit. The central heat and A/C extends into the garage and other upgrades include a whole house generator, a whole house surround system, custom electric blinds, a security system and a backyard bug mister. Don't miss out on this rare opportunity - Schedule your showing today!

Cost to own

Mortgage calculator

Home Price

$1,080,000

Down Payment: 20%

$216,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$5,552

Principal & Interest: $5,552

Property taxes (est.): $1,437

Insurance (est.): $720

Estimated Total Monthly

$7,709

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, Freddie Mac PMMS via FRED). Taxes use the county effective rate; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs 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 · 6.66% · 30yr$5,552

Property taxesest. at asking price, St. Johns County$1,437

HOAbilled annually$67

Estimated total, before insurance$7,056/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, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
• 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	$742,752	$679,192	—
2024	$794,524	$659,343	—
2023	$722,214	$638,683	—
2022	$641,343	$591,343	—
2021	$509,100	$385,286	—
2020	$478,160	$379,276	—

Estimated taxes if purchased at asking price: ~$17,200/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: Metal, Shingle — year not disclosed (home built 2017)

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

Solar potential: ~1,742 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

As of July 2026, this Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields at this property’s coordinates. None of it is a determination, survey, or inspection, and public records can lag or conflict with on-site conditions. Independently verify anything you’ll rely on: the flood zone at msc.fema.gov and floridadisaster.org/knowyourzone (and confirm flood-insurance cost with your lender and a licensed insurance agent), and the sewer/septic, roof, and utilities with a professional inspection.

History

Price & status history

Jul 30, 2026Price change$1,080,000−$20,000
May 29, 2026Listed$1,100,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$1,080,000

Price / Sq Ft$280

Bedrooms4

Bathrooms4.50

Full Baths4

Half Baths1

Square Footage3,857

Acres0.35 acres

Year Built2017

TypeResidential

Sub-TypeSingle Family Residence

StyleCraftsman

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontYes

Gated CommunityYes

Community Information

Address681 Glenneyre Circle, St. Augustine, FL 32092

Area304- 210 South

SubdivisionShearwater

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32092

Lot Size15,246 sq ft

Parcel Number0100124150

Amenities

AmenitiesOther, Boat Dock, Clubhouse, Fitness Center, Gated, Tennis Court(s)

UtilitiesOther

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage

ViewLake

Waterfront TypeLake Front

Interior

Interior FeaturesBreakfast Nook, Built-in Features, Eat-in Kitchen, Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Disposal, Double Oven, Dryer, Gas Cooktop, Ice Maker, Refrigerator, Washer, Wine Cooler

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile, Wood

FireplaceYes

# of Fireplaces1

# of Stories2

LevelsTwo

SecuritySecurity Gate, Security System Owned