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Active

45 Shell Creek Court, St. Augustine, FL 32086

$509,900

MLS# 2154339

Bedrooms

Bathrooms

2,170

Sq Ft

2023

Year Built

About This Home — 45 Shell Creek Court

Better Than New with Over $57,000 in Builder Upgrades! Welcome to this beautifully upgraded Pulte Mystique home, built in 2023 and thoughtfully designed for both everyday living and effortless entertaining. Offering 3 bedrooms, 3 full bathrooms, a dedicated office/flex room, and 2,170 square feet, this move-in-ready home combines modern style with exceptional functionality. The heart of the home is the gourmet kitchen, featuring an expanded built-in design with 42-inch soft-close cabinetry, stunning Blanco Maple quartz countertops, a decorative wood vent hood, Whirlpool built-in appliances, a large center island with contrasting cabinetry, designer backsplash, and abundant storage with roll-out trays, pull-out waste basket, and upgraded hardware. The open-concept gathering room is enhanced by a tray ceiling and pocket sliding glass doors that seamlessly connect the living space to the screened covered lanai, creating the perfect indoor-outdoor lifestyle. Wood-look tile plank flooring

Features

Price$509,900

Price / Sq Ft$235

Bedrooms3

Bathrooms3.00

Full Baths3

Square Footage2,170

Acres0.17 acres

Year Built2023

TypeResidential

Sub-TypeSingle Family Residence

StyleCraftsman, Traditional

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Community Information

Address45 Shell Creek Court, St. Augustine, FL 32086

Area337-Old Moultrie Rd/Wildwood

SubdivisionRolling Hills

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32086

Lot Size7,405.2 sq ft

Parcel Number1027590030

ZoningResidential

Amenities

AmenitiesJogging Path, Maintenance Grounds

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Garage Door Opener, Off Street

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Guest Suite, In-Law Floorplan, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Smart Thermostat, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Electric Cooktop, Electric Oven, Microwave, Refrigerator, Water Softener Owned

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, In Unit, Washer Hookup

Exterior

Patio / PorchCovered, Rear Porch, Screened

FencingFenced, Back Yard, Privacy, Vinyl

RoofShingle

ConstructionComposition Siding, Frame

Road SurfaceAsphalt

Road FrontageCity Street

Additional Information

Date ListedJuly 8, 2026

Days on Market0

HOA Fees$87.15 / Monthly

HOA FrequencyMonthly

HOA Fee IncludesMaintenance Grounds

Tax Amount$5,092.03

Tax Year2025

Listing TermsCash, Conventional, FHA, VA Loan

55+ CommunityNo

New ConstructionNo

Mortgage Calculator

Home Price

$509,900

Down Payment: 20%

$101,980

Interest Rate: 7.00%

Loan Term

Monthly Payment

$2,714

Principal & Interest: $2,714

Est. Taxes & Insurance: $678

Estimated Total Monthly

$3,392

*Estimates based on 30-year loan at 7% APR. Actual payments may vary.

True Monthly Cost

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

Principal & interest20% down · 7.0% · 30yr$2,714

Property taxesest. at asking price, St. Johns County$680

HOAbilled monthly$87

Estimated total, before insurance$3,481/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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.

Taxes & Assessment

2025 property taxes (current owner): $5,092/yr

Estimated taxes if purchased at asking price: ~$8,200/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 1,859 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, NEFMLS.

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

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

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.