This home is in Shearwater, St. Augustine — a pool home in St. Johns County.
Active·32 days on market·Shearwater
1130 Windley Drive
St. Augustine, FL 32092
About this home
Shearwater
Welcome to your own Florida oasis--this exceptional home offers a spectacular outdoor paradise featuring a heated saltwater pool, elevated spa with cascading waterfall, expansive paver patio, swaying palm trees, multiple entertaining areas, and an outdoor TV. This home is designed for true indoor-outdoor living, triple sliding pocket doors open the entire living space to create the ultimate Florida lifestyle. Built in 2023 in the award winning Shearwater Community, this stunning 5-bedroom, 4-bath home offers over 3,000 square feet of thoughtfully designed living space with high-end finishes throughout. The gourmet kitchen is the heart of the home, featuring quartz countertops, an oversized island, stainless steel appliances, abundant cabinetry, a walk-in pantry, and seamless flow into the dining and family room.
Cost to own
Mortgage calculator
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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: ~$13,200/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 homeAs 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
- Aug 13, 2026Active$824,900
- Aug 8, 2026Pending$824,900
- Aug 7, 2026Price change$824,900−$40,100
- 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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
The neighborhood
About Shearwater
Shearwater is a neighborhood in St. Johns County, FL (St. Johns County), ZIP 32092.
View all Shearwater homes for sale →Listing Courtesy of: EXP REALTY LLC
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Krista Fracke
Broker Associate
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Text Krista about this home20+ years · 500+ closings · NE Florida
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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines