This home is in Shearwater, St. Augustine.

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Active

Active·Listed today·Shearwater

649 Windley Drive

St. Augustine, FL 32092

$725,000$221/sqftEst. $3,859/moMLS# 2154624

Beds

Baths

3,287

Sq Ft

2022

Built

Garage

Pool

About this home

Shearwater

Perfectly situated on a premium preserve lot in highly desirable Shearwater, this stunning Boca II floor plan offers 4 bedrooms, 4 baths and is beautifully appointed with all the right upgrades. Step through the 8' front double doors and be welcomed by luxury vinyl plank flooring, elegant lighting, custom built-ins and an abundance of natural light throughout. The beautiful kitchen features a large island, white quartz countertops, 2-tone cabinetry and walk-in pantry. The open and inviting living room overlooks the serene preserve, with built-in shelving and cabinetry. The primary suite is a true retreat, complete with bay windows, tranquil views, an upgraded ceiling fan and his-and-hers walk-in closets. The spa-like en suite includes separate vanities, a garden tub and upgraded frameless tiled shower. 3-bedrooms, 3- baths, elegant formal living and dining rooms, and a versatile bonus room complete the first floor. Wood tread stairs lead to an oversized upstairs bedroom with full bath

Cost to own

Mortgage calculator

Home Price

$725,000

Down Payment: 20%

$145,000

Interest Rate: 7.00%

Loan Term

Monthly Payment

$3,859

Principal & Interest: $3,859

Est. Taxes & Insurance: $965

Estimated Total Monthly

$4,823

*Estimates based on 30-year loan at 7% APR. 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$3,859

Property taxesest. at asking price, St. Johns County$966

HOAbilled annually$20

Estimated total, before insurance$4,845/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

Year	Market value	Taxable value	Change
2022	$112,000	$112,000	—
2021	$90,000	$77,000	—
2020	$70,000	$70,000	—

Estimated taxes if purchased at asking price: ~$11,600/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 1,859 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 (2022), NEFMLS.

Storms & insurance

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 2022)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Solar potential: ~1,747 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

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 9, 2026Listed$725,000

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

Features

Price$725,000

Price / Sq Ft$221

Bedrooms4

Bathrooms4.00

Full Baths4

Square Footage3,287

Acres0.19 acres

Year Built2022

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontNo

School Information

ElementaryTrout Creek Academy

MiddleTrout Creek Academy

HighBeachside

Community Information

Address649 Windley Drive, St. Augustine, FL 32092

Area304- 210 South

SubdivisionShearwater

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32092

Lot Size8,276.4 sq ft

Lot Dimensions70x120

Parcel Number0100132080

Amenities

AmenitiesPool, Children's Pool, Clubhouse, Dog Park, Fitness Center, Jogging Path, Park, Playground, Tennis Court(s)

UtilitiesElectricity Connected, Natural Gas Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage

ViewProtected Preserve, Trees/Woods

Interior

Interior FeaturesBreakfast Bar, Built-in Features, Ceiling Fan(s), Entrance Foyer, His and Hers Closets, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Smart Home, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Gas Cooktop, Gas Water Heater, Microwave, Refrigerator, Tankless Water Heater

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile

# of Stories2

LaundryElectric Dryer Hookup, Gas Dryer Hookup, Lower Level, Washer Hookup

SecuritySmoke Detector(s)