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This home is in Shearwater, St. Augustine — a home near Bartram Trail High School.

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Active

Active·91 days on market·Shearwater

125 Smokerise Drive

St. Augustine, FL 32092

$519,990$268/sqftEst. $2,754/moMLS# 2151700

↓ $31,009 below original listOpen house Thu, Sep 24 · 12:00 pm–5:00 pm

Beds

3.5

Baths

1,943

Sq Ft

2026

Built

Garage

Pool

FEMA Zone XHOA $20/mo6,098 sqft lotSingle Family Residence1 storyNew construction

About this home

Shearwater

***MOVE IN READY - BRAND NEW HOME*** Discover the Trevi by Lennar Homes -a spacious 4-bedroom, 3-bath design with a 2-car garage. This home includes Everything's Included features such as 42'' white cabinets with quartz countertops, Frigidaire stainless steel appliances including range, dishwasher, microwave and refrigerator, and ceramic wood plank tile flooring in the main living areas extended into dining and hallways. Additional highlights include quartz vanities, window blinds throughout, a screened lanai and a full sprinkler system. Backed up with one year builder warranty. This area offers an ideal mix of affordability, convenience, and lifestyle. Residents enjoy spacious homes in a welcoming community setting. The location provides access to good schools, nearby shopping, healthcare, and easy routes to Jacksonville International Airport. (Conditions may apply)

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 6.95% · 30yr$2,754

Property taxesest. at asking price, St. Johns County$692

HOAbilled annually$20

Estimated total, before insurance$3,465/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,530/yr · $378/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).

Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

Home Price

$519,990

Down Payment: 20%

$103,998

Interest Rate: 6.95%

Loan Term

Monthly Payment

$2,754

Principal & Interest: $2,754

Property taxes (est.): $692

Insurance (est.): $347

Estimated Total Monthly

$3,792

*30-year loan at 6.95% APR (avg 30-yr rate 2026-09-17, 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.

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

Sep 14, 2026Price change$519,990−$3,000
Sep 5, 2026Price change$522,990+$15,000
Aug 11, 2026Price change$507,990−$23,009
Jul 27, 2026Price change$530,999−$20,000
Jun 22, 2026Listed$550,999

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

Features

Price$519,990

Price / Sq Ft$268

Bedrooms4

Bathrooms3.50

Full Baths3

Half Baths1

Square Footage1,943

Acres0.14 acres

Year Built2026

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch, Traditional

Property ConditionUnder Construction

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

New ConstructionYes

School Information

ElementaryTimberlin Creek

MiddleSwitzerland Point

HighBartram Trail

Community Information

Address125 Smokerise Drive, St. Augustine, FL 32092

Area304- 210 South

SubdivisionShearwater

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32092

Lot Size6,098.4 sq ft

Lot Dimensions50X125

Parcel Number000

Amenities

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

UtilitiesElectricity Connected, Natural Gas Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

Green / EnergyWindows

ParkingGarage, Garage Door Opener

Interior

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

AppliancesConvection Oven, Dishwasher, Disposal, Double Oven, Dryer, Gas Cooktop, Gas Oven, Gas Range, Gas Water Heater, Ice Maker, Microwave, Refrigerator, Washer

HeatingCentral, Electric, Heat Pump

CoolingCentral Air, Electric

FlooringTile

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Washer Hookup

SecuritySmoke Detector(s)

Exterior

Lot DescriptionSprinklers In Front, Sprinklers In Rear

Patio / PorchFront Porch, Patio, Screened

RoofShingle

ConstructionFiber Cement, Frame

Road SurfaceAsphalt

Additional Information

Date ListedJune 22, 2026

Days on Market91

HOA Fees$236.25 / Annually

HOA FrequencyAnnually

HOA Fee IncludesPest Control

Tax Amount$4,530.43

Tax Year2025

Listing TermsCash, Conventional, FHA, VA Loan

55+ CommunityNo

New ConstructionYes

Listing Courtesy of: LENNAR REALTY INC · LennarJacksonville@Lennar.com

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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