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This home is in Shearwater, St. Augustine.

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Active Under Contract

Active Under Contract·45 days on market·Shearwater

33 Martha Court

St. Augustine, FL 32092

$479,000$201/sqftEst. $2,470/moMLS# 2152004

Beds

Baths

2,380

Sq Ft

2023

Built

Garage

Pool

About this home

Shearwater

Come see this Like New 3 Year Old David Weekly Custom Home with Master down & an Additional Bedroom & Bathroom down, Shows Incredible with Quartz Kitchen, Custom Cabinets with Backsplash, Gas Appliances & Tankless Water Heater, Master Bedroom has Step Ceiling, California Built Ins Master Closet, Oversized Master Shower, Wood Laminate, Laundry Built In Cabinets, Includes W & D and Fridge, Screened Lanai, Huge Loft with 2 Additional Bedrooms up, Amazing Resort Amenities,BRING ALL OFFERS !!!

Cost to own

Mortgage calculator

Home Price

$479,000

Down Payment: 20%

$95,800

Interest Rate: 6.69%

Loan Term

Monthly Payment

$2,470

Principal & Interest: $2,470

Property taxes (est.): $637

Insurance (est.): $319

Estimated Total Monthly

$3,427

*30-year loan at 6.69% APR (avg 30-yr rate 2026-08-06, 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 · 6.69% · 30yr$2,470

Property taxesest. at asking price, St. Johns County$637

HOAbilled annually$20

Estimated total, before insurance$3,128/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.

Cost to own

Taxes & assessment

Last sold: $533,800 in February 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$444,122	$444,122	—
2024	$509,995	$248,857	—
2023	$95,000	$95,000	—
2022	$84,000	$84,000	—

Estimated taxes if purchased at asking price: ~$7,600/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 2023)

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

Aug 5, 2026Active Under Contract$479,000
Jun 23, 2026Listed$479,000

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

Features

Price$479,000

Price / Sq Ft$201

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,380

Year Built2023

TypeResidential

Sub-TypeSingle Family Residence

StyleCraftsman

StatusActive Under Contract

# of Garages2

Has PoolNo

Is WaterfrontNo

Community Information

Address33 Martha Court, St. Augustine, FL 32092

Area304- 210 South

SubdivisionShearwater

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32092

Parcel Number0100170330

ZoningSingle Family

Amenities

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

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

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

Interior

Interior FeaturesCeiling Fan(s), Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Gas Oven, Gas Range, Gas Water Heater, Ice Maker, Microwave, Refrigerator, Tankless Water Heater, Washer

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringCarpet, Laminate, Tile

# of Stories2

LevelsTwo