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This home is in Shearwater, St. Augustine.

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Active

Active·Listed today·Shearwater

135 Neighbor Court

St. Augustine, FL 32092

$525,000$228/sqftEst. $2,794/moMLS# 2154519
4
Beds
2
Baths
2,299
Sq Ft
2023
Built
2
Garage
No
Pool

About this home

Shearwater

Welcome to 135 Neighbor Court, a beautifully designed home tucked away on a cul-de-sac in the heart of Shearwater. Thoughtfully designed with a single story layout, this home offers bright, open living spaces perfect for both entertaining and everyday living. A charming covered front porch welcomes you inside, where glass French doors open to a private office, creating the perfect space to work from home or study. At the heart of the home, the gourmet kitchen features an oversized island with bar seating, stainless steel appliances, a gas cooktop, double ovens, and overlooks the spacious living and dining areas. Enjoy your morning coffee on the screened lanai, while the epoxy coated garage floor provides a clean, polished space for parking, storage, or your favorite hobbies. Living in Shearwater means enjoying resort style amenities, including multiple pools, a lazy river, kayak launch, tennis courts, scenic walking and biking trails, and so much more.

Cost to own

Mortgage calculator

$525,000
$105,000
Loan Term
Monthly Payment
$2,669
Principal & Interest: $2,669
Est. Taxes & Insurance: $667
Estimated Total Monthly
$3,336
*Estimates based on 30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, Freddie Mac PMMS via FRED). Actual payments 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 · 7.0% · 30yr$2,794
Property taxesest. at asking price, St. Johns County$699
HOAbilled annually$20
Estimated total, before insurance$3,513/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.

Cost to own

Taxes & assessment

Last sold: $723,300 in October 2023(county public record, not MLS data)

YearMarket valueTaxable valueChange
2024$431,598$431,598

2025 property taxes (current owner): $8,416/yr

Estimated taxes if purchased at asking price: ~$8,400/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.

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.

History

Price & status history

  • Jul 16, 2026Active$525,000
  • Jul 9, 2026Listed$525,000

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

Features

Price$525,000
Price / Sq Ft$228
Bedrooms4
Bathrooms2.50
Full Baths2
Half Baths1
Square Footage2,299
Acres0.21 acres
Year Built2023
TypeResidential
Sub-TypeSingle Family Residence
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontNo

School Information

Community Information

Address135 Neighbor Court, St. Augustine, FL 32092
Area304- 210 South
SubdivisionShearwater
CitySt. Augustine
CountySt. Johns
StateFL
Zip Code32092
Lot Size9,147.6 sq ft
Parcel Number0100210130

Amenities

AmenitiesPool, Barbecue, Clubhouse, Dog Park, Fitness Center, Jogging Path, Management- On Site, Park, Playground, Tennis Court(s)
UtilitiesElectricity Connected, Natural Gas Connected, Sewer Connected, Water Connected
Water SourcePublic
ParkingAttached, Garage

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Double Oven, Electric Oven, Gas Cooktop, Microwave, Refrigerator
HeatingCentral, Electric
CoolingCentral Air, Electric
FlooringCarpet, Tile
# of Stories1
LevelsOne
LaundryIn Unit, Lower Level, Sink

Exterior

Lot DescriptionCul-De-Sac
Patio / PorchCovered, Front Porch, Rear Porch, Screened
RoofShingle

Additional Information

Date ListedJuly 16, 2026
Days on Market0
HOA Fees$236.25 / Annually
HOA FrequencyAnnually
HOA NameFlorida Service Residential
Tax Amount$8,416.44
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

The neighborhood

About Shearwater

Shearwater is a neighborhood in St. Johns County, FL (St. Johns County), ZIP 32092.

View all Shearwater homes for sale →

Listing Courtesy of: KELLER WILLIAMS ST JOHNS

Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).

Your Local Expert

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.

Contact KristaText Krista about this home

20+ years · 500+ closings · NE Florida

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MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

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