This home is in Shearwater, St. Augustine.

1 / 87

Active

Active·44 days on market·Shearwater

77 Sadler Court

St. Augustine, FL 32092

$460,000$227/sqftEst. $2,345/moMLS# 2150275

Beds

Baths

2,027

Sq Ft

2021

Built

Garage

Pool

About this home

Shearwater

This beautiful 4-bedroom, 3-bath home, located in the Shearwater community, offers the perfect combination of comfort, style, and exceptional amenities. An inviting covered front porch welcomes you inside, where you'll find a thoughtfully designed floor plan featuring tile flooring throughout the main living areas, and new carpeting. The heart of the home is the spacious kitchen, complete with stainless steel appliances, a large center island, ample cabinetry, and plenty of space for gathering. The open-concept design flows seamlessly into the living and dining areas, creating an ideal setting for both everyday living and entertaining. The private primary suite provides a relaxing retreat with generous walk-in closets, a spa-inspired bath featuring a soaking tub, and a separate walk-in shower. Three additional bedrooms and two full bathrooms offer great flexibility. Additional features include a whole-house water softener, a dedicated laundry room and 2 car garage.

Cost to own

Mortgage calculator

Home Price

$460,000

Down Payment: 20%

$92,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,345

Principal & Interest: $2,345

Property taxes (est.): $612

Insurance (est.): $307

Estimated Total Monthly

$3,264

*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$2,345

Property taxesest. at asking price, St. Johns County$612

HOAbilled annually$20

Estimated total, before insurance$2,977/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$7,498/yr · $625/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

Year	Market value	Taxable value	Change
2025	$393,963	$329,978	—
2024	$405,911	$319,971	—
2023	$359,195	$309,195	—
2022	$374,250	$324,250	—
2021	$60,000	$60,000	—

2025 property taxes (current owner): $7,498/yr

Estimated taxes if purchased at asking price: ~$7,300/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 2021)

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: ~1,692 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

Jun 12, 2026Listed$460,000

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

Features

Price$460,000

Price / Sq Ft$227

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,027

Acres0.16 acres

Year Built2021

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

School Information

ElementaryTrout Creek Academy

MiddleTrout Creek Academy

HighBeachside

Community Information

Address77 Sadler Court, St. Augustine, FL 32092

Area304- 210 South

SubdivisionShearwater

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32092

Lot Size6,969.6 sq ft

Parcel Number0100162010

ZoningResidential

Amenities

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

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

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

Interior

Interior FeaturesCeiling Fan(s), Entrance Foyer, Guest Suite, His and Hers Closets, 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 Water Heater, Ice Maker, Microwave, Refrigerator, Tankless Water Heater, Washer, Water Softener Owned

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile

# of Stories1

LevelsOne

LaundryIn Unit

SecurityCarbon Monoxide Detector(s), Other