This home is in Shearwater, St. Augustine.

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Active

Active·45 days on market·Shearwater

253 Ridgewind Drive

St. Augustine, FL 32092

$469,500$252/sqftEst. $2,499/moMLS# 2148621

Beds

Baths

1,866

Sq Ft

2022

Built

Garage

Pool

About this home

Shearwater

Welcome to this beautiful newer construction home in the highly desirable Shearwater community! Offering 4 spacious bedrooms and a bright open-concept design, this home is perfect for both everyday living and entertaining. Enjoy peaceful pond views from the main living areas, where abundant natural light creates a warm and inviting atmosphere. Tile flooring throughout the entire home provides a clean, modern look and easy maintenance. The garage has been upgraded with a durable Shark Coating floor, adding both style and functionality. Living in Shearwater means enjoying resort-style amenities, including a lagoon pool, lazy river, fitness center, clubhouse, tennis courts, playgrounds, walking trails, and more. Combining modern finishes, beautiful water views, and an exceptional community lifestyle, this home is one you won't want to miss.

Cost to own

Mortgage calculator

Home Price

$469,500

Down Payment: 20%

$93,900

Interest Rate: 6.55%

Loan Term

Monthly Payment

$2,386

Principal & Interest: $2,386

Est. Taxes & Insurance: $597

Estimated Total Monthly

$2,983

*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$2,499

Property taxesest. at asking price, St. Johns County$625

HOAbilled annually$18

Estimated total, before insurance$3,142/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: $407,900 in April 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$372,310	$372,310	—
2024	$383,110	$373,032	—
2023	$339,120	$339,120	—
2022	$84,000	$66,000	—
2021	$60,000	$60,000	—

2025 property taxes (current owner): $7,907/yr

Estimated taxes if purchased at asking price: ~$7,500/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 2022)

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

Private well (public record)

County records indicate a private well — a water-quality test is a standard (and cheap) pre-closing step.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,786 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