This home is in Shearwater, St. Augustine.

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Active

Active·45 days on market·Shearwater

43 Laurel Gate Lane

St. Augustine, FL 32092

$519,000$220/sqftEst. $2,762/moMLS# 2148554

Beds

Baths

2,357

Sq Ft

2018

Built

Garage

Pool

About this home

Shearwater

Welcome to Shearwater! This beautiful two story home features a brick paver driveway, two car garage, and private study. The open concept floor plan offers wood look tile flooring throughout the main living areas, while the kitchen features white quartz countertops, 42'' maple cabinets, stainless steel appliances, and a gas range overlooking the dining and living spaces. Upstairs you'll find all bedrooms, a convenient laundry room, and a spacious loft perfect for a playroom, media room, or second home office. Enjoy peaceful pond views from the screened and covered lanai overlooking the large fenced backyard. Located in the highly sought after Shearwater community, residents enjoy resort style amenities including a lazy river, water slide, lagoon pool, fitness center, tennis courts, walking trails, parks, and top rated St. Johns County schools.

Cost to own

Mortgage calculator

Home Price

$519,000

Down Payment: 20%

$103,800

Interest Rate: 6.55%

Loan Term

Monthly Payment

$2,638

Principal & Interest: $2,638

Est. Taxes & Insurance: $660

Estimated Total Monthly

$3,298

*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$2,762

Property taxesest. at asking price, St. Johns County$691

HOAbilled annually$20

Estimated total, before insurance$3,473/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

Last sold: $553,000 in April 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$439,799	$439,799	—
2024	$442,680	$442,680	—
2023	$446,086	$396,086	—
2022	$390,264	$237,725	—
2021	$299,199	$229,345	—
2020	$287,790	$225,488	—

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.

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 2018)

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

Solar potential: ~1,768 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.

History

Price & status history

Jun 3, 2026Listed$519,000

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

Features

Price$519,000

Price / Sq Ft$220

Bedrooms4

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage2,357

Year Built2018

TypeResidential

Sub-TypeSingle Family Residence

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontYes

School Information

ElementaryTimberlin Creek

MiddleSwitzerland Point

HighBeachside

Community Information

Address43 Laurel Gate Lane, St. Augustine, FL 32092

Area304- 210 South

SubdivisionShearwater

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32092

Parcel Number0100123560

ZoningResidential

Amenities

AmenitiesPool, Basketball Court, Children's Pool, Clubhouse, Dog Park, Fitness Center, Jogging Path, Management- On Site, Park, Playground, Tennis Court(s)

UtilitiesNatural Gas Available, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage

ViewPond

Waterfront TypePond

Interior

Interior FeaturesBreakfast Nook, Eat-in Kitchen, Entrance Foyer, Kitchen Island, Pantry, Primary Bathroom -Tub with Separate Shower, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Gas Range, Microwave, Tankless Water Heater, Washer

HeatingCentral

CoolingCentral Air

FlooringTile

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, Gas Dryer Hookup, Washer Hookup