This home is in Shearwater, St. Augustine.

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Active

Active·45 days on market·Shearwater

91 Smokerise Drive

St. Augustine, FL 32092

$494,985$235/sqftEst. $2,516/moMLS# 2149058

Beds

Baths

2,106

Sq Ft

2026

Built

Garage

Pool

About this home

Shearwater

MOVE IN READY!! The Charle II floor plan by Lennar offers 4 bedrooms, 2 bathrooms, and a 2-car garage. Enjoy Lennar's signature Everything's Included features, including white cabinetry with white quartz countertops, 42'' upper cabinets, and a full suite of stainless steel appliances: cooktop, dishwasher, microwave, and refrigerator. Stylish ceramic wood-look tile is placed in wet areas and extended through the family, dining, and hallways. Additional upgrades include quartz vanities, a gas water heater, screened lanai, and a full sprinkler system. Backed up with 1 year builder warranty. St. Augustine offers a unique lifestyle that blends historic charm, coastal beauty, and a relaxed yet vibrant atmosphere. As the nation's oldest city, it's rich in Spanish Colonial architecture, cobblestone streets, and centuries-old landmarks, complemented by a lively arts scene, unique shops, and diverse dining options. (Conditions may apply)

Cost to own

Mortgage calculator

Home Price

$494,985

Down Payment: 20%

$98,997

Interest Rate: 6.55%

Loan Term

Monthly Payment

$2,516

Principal & Interest: $2,516

Property taxes (est.): $659

Insurance (est.): $330

Estimated Total Monthly

$3,505

*30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, 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 · 6.55% · 30yr$2,516

Property taxesest. at asking price, St. Johns County$659

HOAbilled annually$20

Estimated total, before insurance$3,194/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.

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 2026)

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

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

Jun 5, 2026Listed$494,985

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

Features

Price$494,985

Price / Sq Ft$235

Bedrooms4

Bathrooms2.00

Full Baths2

Square Footage2,106

Acres0.25 acres

Year Built2026

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch

Property ConditionUnder Construction

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

New ConstructionYes

Community Information

Address91 Smokerise Drive, St. Augustine, FL 32092

Area304- 210 South

SubdivisionShearwater

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32092

Lot Size10,890 sq ft

Lot Dimensions50 x 120

Parcel Number000

Amenities

AmenitiesPool, Clubhouse, Dog Park, Fitness Center, Park, Playground, Tennis Court(s), Trash, Water

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

Green / EnergyWindows

ParkingAttached, Garage, Garage Door Opener

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Entrance Foyer, Kitchen Island, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Electric Cooktop, Electric Oven, Electric Range, Electric Water Heater, Ice Maker, Microwave, Refrigerator

HeatingCentral, Electric, Heat Pump

CoolingCentral Air, Electric

FlooringCarpet, Tile

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Washer Hookup

SecuritySecurity System Owned, Smoke Detector(s)