This home is in Shearwater, St. Augustine — a pool home in St. Johns County.
$824,900Pending5 bd · 4 ba · 3,053 sq ft
Pending·77 days on market·Shearwater
1130 Windley Drive
St. Augustine, FL 32092
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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.
Next steps in Shearwater
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).
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
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.
Around this address
Nearby, from public data
The closest public beach, park, water access, league fields and grocery store from this home's location.
Closest beach parking
Guana Reserve beach lot (south)about 14 mi · 94 parking spaces
Closest park or preserve
Gourd Island Conservation Area15 min drive · 3.3 mi of trails
Closest public boat ramp
Trout Creek Park Boat Rampabout 3 mi · St. Johns River - Trout Creek (St. Augustine)
Closest kayak & paddleboard launch
Alpine Groves Park Canoe and Kayak Launchabout 7 mi · St. Johns River
Closest youth league fields
Durbin Crossing Park15 min drive · Baseball, Football, Lacrosse, Softball, Track, Soccer
Closest grocery store
Publix11 min drive · 2845 County Road 210 W, Saint Johns
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.
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.
History
Price & status history
- Sep 23, 2026Pending$824,900
- 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.
Closed sales
What sold nearby
Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $236/sq ft; this home is listed at $270/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 135 Neighbor Court, St. Augustine, FL 32092Listed by KELLER WILLIAMS ST JOHNS | Oct 2026 | $475,000 | $207 | 4/2.5 | 2,299 | 44 | 0.5 |
| 21 Yardley Court, St. Augustine, FL 32092Listed by VREELAND REAL ESTATE LLC | Sep 2026 | $580,000 | $236 | 4/3 | 2,461 | 78 | 0.5 |
| 31 Donovan Drive, St. Augustine, FL 32092Listed by OLYMPUS EXECUTIVE REALTY, INC | Sep 2026 | $545,000 | $218 | 4/3 | 2,500 | 46 | 0.7 |
| 39 Donovan Drive, St. Augustine, FL 32092Listed by OLYMPUS EXECUTIVE REALTY, INC | Sep 2026 | $510,000 | $219 | 4/2.5 | 2,327 | 46 | 0.7 |
| 126 Seahill Drive, St. Augustine, FL 32092Listed by LOWEST FEE REALTY LLC | Sep 2026 | $819,000 | $274 | 4/3 | 2,989 | 23 | 0.8 |
| 156 Smokerise Drive, St. Augustine, FL 32092Listed by LENNAR REALTY INC | Oct 2026 | $539,999 | $239 | 4/2.5 | 2,257 | 33 | 0.9 |
Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: EXP REALTY LLC
Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.
The neighborhood
About Shearwater
Shearwater is a neighborhood in St. Johns County, FL (St. Johns County), ZIP 32092.
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Krista Fracke
Broker Associate
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