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Active

Active·45 days on market

45 Shell Creek Court

St. Augustine, FL 32086

$504,900$233/sqftEst. $2,593/moMLS# 2154339

Beds

Baths

2,170

Sq Ft

2023

Built

Garage

Pool

About this home

St. Augustine

Better than new with over $57,000 in premium builder upgrades, this beautifully appointed 2023 Pulte Mystique offers the perfect blend of modern style, thoughtful design, and move-in-ready convenience. Featuring 3 bedrooms, 3 full bathrooms, a dedicated office or flex room, and 2,170 square feet of living space, this home is designed for both everyday comfort and effortless entertaining. The open-concept layout is anchored by a spacious gathering room with a tray ceiling and pocket sliding glass doors that open to the screened covered lanai, creating a seamless indoor-outdoor living experience. The gourmet kitchen is a true showpiece, 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 designer tile backsplash, and a large contrasting center island. Thoughtful upgrades including roll-out cabinet trays, a pull-out waste basket, upgraded hardware

Cost to own

Mortgage calculator

Home Price

$504,900

Down Payment: 20%

$100,980

Interest Rate: 6.65%

Loan Term

Monthly Payment

$2,593

Principal & Interest: $2,593

Property taxes (est.): $672

Insurance (est.): $337

Estimated Total Monthly

$3,601

*30-year loan at 6.65% APR (avg 30-yr rate 2026-08-20, 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 · 6.65% · 30yr$2,593

Property taxesest. at asking price, St. Johns County$672

HOAbilled monthly$87

Estimated total, before insurance$3,352/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,092/yr · $424/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

Last sold: $460,900 in November 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2024	$379,575	$329,575	—
2023	$35,000	$35,000	—

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

Estimated taxes if purchased at asking price: ~$8,100/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 (2024), 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.

Solar potential: ~1,746 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

Aug 6, 2026Price change$504,900−$5,000
Jul 8, 2026Listed$509,900

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

Features

Price$504,900

Price / Sq Ft$233

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