This home is in Shearwater, St. Augustine.

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Active

Active·53 days on market·Shearwater

120 Appleton Court

St. Augustine, FL 32092

$310,000$190/sqftEst. $1,581/moMLS# 2148473

Beds

Baths

1,631

Sq Ft

2020

Built

Garage

Pool

About this home

Shearwater

Move-in ready and thoughtfully updated, this one-owner 3-bedroom, 2.5-bath townhome offers a rare combination of style, comfort, and value in Shearwater, one of St. Johns County's most sought-after communities. From the moment you step inside, you'll notice the attention to detail and pride of ownership throughout. The open-concept floor plan seamlessly connects the living, dining, and kitchen areas, creating an inviting space for both everyday living and entertaining. The kitchen features a newer appliance package and is complemented by a custom upgraded pantry that adds both functionality and convenience. Upstairs, you'll find three spacious bedrooms and two full bathrooms, including a beautifully renovated primary bathroom featuring finishes upgraded well beyond the original builder-grade design. Brand new carpet upstairs provides a fresh, move-in-ready feel throughout the second level. Enjoy relaxing on the covered patio or take advantage of Shearwater's exceptional resort-style

Cost to own

Mortgage calculator

Home Price

$310,000

Down Payment: 20%

$62,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,581

Principal & Interest: $1,581

Property taxes (est.): $413

Insurance (est.): $207

Estimated Total Monthly

$2,200

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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 · 6.58% · 30yr$1,581

Property taxesest. at asking price, St. Johns County$413

HOAbilled monthly$200

Estimated total, before insurance$2,193/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,656/yr · $221/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 (that applies to the reference bill above too).

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$272,314	$0	—
2024	$270,308	$191,823	—
2023	$242,111	$184,780	—
2022	$264,508	$177,942	—
2021	$221,303	$171,303	—
2020	$48,000	$48,000	—

2025 property taxes (current owner): $2,656/yr

Estimated taxes if purchased at asking price: ~$5,000/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 2020)

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

Solar potential: ~1,712 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