This home is in Shearwater Townhomes, St. Augustine.

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Active

Active·25 days on market·Shearwater Townhomes

42 Appleton Court

St. Augustine, FL 32092

$309,900$190/sqftEst. $1,580/moMLS# 2153318

Beds

Baths

1,631

Sq Ft

2021

Built

Garage

Pool

About this home

Shearwater Townhomes

Come explore this two-story, interior townhome located within the Shearwater community. The first floor features: tile flooring throughout the living and dining areas, a half bath, and kitchen with island. The second floor includes three bedrooms, as well as the utility room. The property has a paver driveway that leads to a one car garage and there is a rear screened patio. The community has many amenities such as: multiple pools, a water slide, fitness center, kayak launch, walking and biking trails, parks, playground, and dog park. This property is eligible under the Freddie Mac First Look Initiative through 07/31/2026

Cost to own

Mortgage calculator

Home Price

$309,900

Down Payment: 20%

$61,980

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,580

Principal & Interest: $1,580

Property taxes (est.): $412

Insurance (est.): $207

Estimated Total Monthly

$2,199

*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$1,580

Property taxesest. at asking price, St. Johns County$412

HOAbilled monthly$200

Estimated total, before insurance$2,192/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$6,353/yr · $529/mo

This bill runs well above the county-average estimate — usually the sign of a CDD or special assessment on this home. We confirm the exact line (and whether a bond was ever prepaid) before you offer.

• 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	$274,525	$274,525	—
2024	$272,425	$268,367	—
2023	$243,970	$243,970	—
2022	$264,508	$214,508	—
2021	$48,000	$48,000	—
2020	$48,000	$48,000	—

2025 property taxes (current owner): $6,353/yr

Estimated taxes if purchased at asking price: ~$4,900/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.

Solar potential: ~1,726 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