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 gated community home in St. Johns County.

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Active Under Contract

Active Under Contract·45 days on market·Shearwater

91 Glenneyre Circle

St. Augustine, FL 32092

$825,000$227/sqftEst. $4,246/moMLS# 2151790

Beds

Baths

3,629

Sq Ft

2020

Built

Garage

Pool

About this home

Shearwater

Dream Home in the Sought-After Shearwater Community! This beautifully upgraded 4-5 bedroom, 3.5-bath MasterCraft home combines luxury, comfort, and exceptional design. The bright, open-concept floor plan is filled with natural light and features a gourmet kitchen that's perfect for both everyday living & effortless entertaining. The spacious first-floor owner's suite is a private retreat, complete with dual vanities, a freestanding soaking tub, a walk-in shower, and an oversized walk-in closet. Two additional bedrooms & a full bath on the main level provide flexibility for family, guests, or a home office. Upstairs, a large flex room with a half bath offers endless possibilities as a media room, game room, home gym, or additional living space. Step outside to enjoy the expansive screened patio, ideal for relaxing or entertaining year-round. Just a short walk away, you'll find Shearwater's award-winning resort-style amenities, including multiple pools, & state-of-the-art fitness center.

Cost to own

Mortgage calculator

Home Price

$825,000

Down Payment: 20%

$165,000

Interest Rate: 6.67%

Loan Term

Monthly Payment

$4,246

Principal & Interest: $4,246

Property taxes (est.): $1,098

Insurance (est.): $550

Estimated Total Monthly

$5,894

*30-year loan at 6.67% APR (avg 30-yr rate 2026-08-13, 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 · 6.67% · 30yr$4,246

Property taxesest. at asking price, St. Johns County$1,098

HOAbilled annually$76

Estimated total, before insurance$5,419/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$10,564/yr · $880/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	$722,318	$540,930	—
2024	$765,316	$524,978	—
2023	$689,430	$508,231	—
2022	$631,919	$491,972	—
2021	$526,186	$476,186	—
2020	$110,000	$110,000	—

2025 property taxes (current owner): $10,564/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.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: Shingle — year not disclosed (home built 2020)

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

Solar potential: ~1,745 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 18, 2026Active Under Contract$825,000
Jul 2, 2026Listed$825,000

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

Features

Price$825,000

Price / Sq Ft$227

Bedrooms4

Bathrooms3.50

Full Baths3

Half Baths1

Square Footage3,629

Acres0.19 acres

Year Built2020

TypeResidential

Sub-TypeSingle Family Residence

StyleContemporary, Multi Generational

StatusActive Under Contract

# of Garages3

Has PoolNo

Is WaterfrontNo

Gated CommunityYes

Community Information

Address91 Glenneyre Circle, St. Augustine, FL 32092

Area304- 210 South

SubdivisionShearwater

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32092

Lot Size8,276.4 sq ft

Parcel Number0100123720

ZoningSingle Family

Amenities

AmenitiesPool, Barbecue, Children's Pool, Clubhouse, Dog Park, Fitness Center, Gated, Tennis Court(s)

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

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

ViewTrees/Woods

Interior

Interior FeaturesEntrance Foyer, Jack and Jill Bath, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Smart Thermostat, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Gas Cooktop, Microwave, Refrigerator

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile

# of Stories2

LevelsTwo

LaundryGas Dryer Hookup, Washer Hookup