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 pool home in St. Johns County.

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Active

Active·50 days on market·Shearwater

1130 Windley Drive

St. Augustine, FL 32092

$865,000$283/sqftEst. $4,410/moMLS# 2149975

Beds

Baths

3,053

Sq Ft

2023

Built

Garage

Yes

Pool

About this home

Shearwater

Welcome to your private Florida retreat in the highly sought-after Shearwater community! This stunning 5-bedroom, 4-bathroom luxury home offers 3,023 square feet of thoughtfully designed living space paired with an unforgettable backyard oasis made for entertaining and everyday relaxation. Step outside to your resort-style pool featuring a cascading waterfall that spills into the pool from your elevated hot tub, expansive pavered patio, multiple outdoor seating areas, swaying palm trees, and an outdoor TV visible from anywhere in the pool area. Triple sliding pocket doors open seamlessly from the main living space, creating the ultimate indoor-outdoor Florida lifestyle. Inside, the gourmet kitchen is a chef's dream with quartz countertops, an oversized island, stainless steel appliances, abundant cabinetry, and a walk-in pantry. A spacious mudroom with custom built-ins and a separate laundry room with custom cabinetry add both style and functionality.

Cost to own

Mortgage calculator

Home Price

$865,000

Down Payment: 20%

$173,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$4,410

Principal & Interest: $4,410

Property taxes (est.): $1,151

Insurance (est.): $577

Estimated Total Monthly

$6,138

*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$4,410

Property taxesest. at asking price, St. Johns County$1,151

HOAbilled annually$20

Estimated total, before insurance$5,581/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$11,726/yr · $977/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

Last sold: $690,000 in July 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$625,746	$625,746	—
2024	$627,283	$627,283	—
2023	$125,000	$125,000	—

2025 property taxes (current owner): $11,726/yr

Estimated taxes if purchased at asking price: ~$13,800/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.

Hurricane evacuation zone F

Zone F evacuates after zones A, B, C, D, E in an approaching storm.

Roof: Shingle — year not disclosed (home built 2023)

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

Solar potential: ~1,764 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 8, 2026Price change$865,000−$34,000
Jun 11, 2026Listed$899,000

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

Features

Price$865,000

Price / Sq Ft$283

Bedrooms5

Bathrooms4.00

Full Baths4

Square Footage3,053

Acres0.25 acres

Year Built2023

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages3

Has PoolYes

Pool FeaturesIn Ground, Electric Heat, Heated, Salt Water, Screen Enclosure, Waterfall

Is WaterfrontNo

School Information

ElementaryTrout Creek Academy

MiddleTrout Creek Academy

HighBeachside

Community Information

Address1130 Windley Drive, St. Augustine, FL 32092

Area304- 210 South

SubdivisionShearwater

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32092

Lot Size10,890 sq ft

Parcel Number0100162251

ZoningResidential

Amenities

AmenitiesPool, Barbecue, Boat Dock, Children's Pool, Clubhouse, Dog Park, Fitness Center, Jogging Path, Maintenance Grounds, Management - Developer, Management - Full Time, Management- On Site, Playground, Tennis Court(s), Water

UtilitiesCable Connected, Electricity Connected, Natural Gas Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

ViewPool

Interior

Interior FeaturesBuilt-in Features, Butler Pantry, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Guest Suite, His and Hers Closets, In-Law Floorplan, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Smart Thermostat, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Gas Cooktop, Gas Oven, Gas Range, Gas Water Heater, Ice Maker, Microwave, Refrigerator, Tankless Water Heater, Washer

HeatingCentral

CoolingCentral Air, Zoned

FlooringCarpet, Tile

FireplaceYes

Fireplace FeaturesElectric

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, In Unit, Lower Level, Washer Hookup

SecurityCarbon Monoxide Detector(s), Smoke Detector(s)

Spa FeaturesHeated, Above Ground, Private