This home is in Shearwater, St. Augustine.

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Active

Active·Listed today·Shearwater

187 Beale Avenue

St. Augustine, FL 32092

$635,000$283/sqftEst. $3,380/moMLS# 2155134

Beds

Baths

2,247

Sq Ft

2020

Built

Garage

Pool

About this home

Shearwater

Welcome to this beautifully maintained 4-bedroom, 3-bath home in the highly sought-after Shearwater community! Ideally located within walking distance of the award-winning amenity center, this thoughtfully designed home offers a versatile floor plan with a first-floor bedroom and full bath--perfect for guests, a private home office, or an in-law suite. The spacious open-concept layout is ideal for both everyday living and entertaining, featuring an inviting living area with an electric fireplace, fresh interior paint, and brand-new carpeting throughout. The well-appointed kitchen flows seamlessly into the dining and living spaces, creating a bright, open feel. Step outside to the screened lanai, the perfect place to enjoy your morning coffee, unwind after a long day, or entertain friends while enjoying Florida's beautiful weather year-round. Additional highlights include an attached garage, attractive paver driveway, and move-in-ready condition.

Cost to own

Mortgage calculator

Home Price

$635,000

Down Payment: 20%

$127,000

Interest Rate: 7.00%

Loan Term

Monthly Payment

$3,380

Principal & Interest: $3,380

Est. Taxes & Insurance: $845

Estimated Total Monthly

$4,225

*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$3,380

Property taxesest. at asking price, St. Johns County$845

HOAbilled annually$20

Estimated total, before insurance$4,244/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

2025 property taxes (current owner): $7,939/yr

Estimated taxes if purchased at asking price: ~$10,100/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, 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 2020)

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

Solar potential: ~1,773 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 13, 2026Listed$635,000

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

Features

Price$635,000

Price / Sq Ft$283

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,247

Acres0.10 acres

Year Built2020

TypeResidential

Sub-TypeSingle Family Residence

StyleA-Frame

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

School Information

ElementaryTimberlin Creek

MiddleSwitzerland Point

HighBartram Trail

Community Information

Address187 Beale Avenue, St. Augustine, FL 32092

Area304- 210 South

SubdivisionShearwater

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32092

Lot Size4,356 sq ft

Parcel Number0100131290

Amenities

AmenitiesPool, Barbecue, Basketball Court, Children's Pool, Clubhouse, Dog Park, Fitness Center, Jogging Path, Maintenance Grounds, Management- On Site, Park, Playground, Tennis Court(s)

UtilitiesCable Connected, Electricity Connected, Natural Gas Available, Natural Gas Connected, Water Available, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAdditional Parking, Attached, Garage, Garage Door Opener, Guest

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Butler Pantry, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Guest Suite, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Tub with Shower, Smart Thermostat, Split Bedrooms, Walk-In Closet(s)

AppliancesConvection Oven, Dishwasher, Disposal, Double Oven, Dryer, Electric Range, Electric Water Heater, Ice Maker, Microwave, Refrigerator, Washer, Water Softener Owned

HeatingCentral, Zoned

CoolingCentral Air, Electric, Zoned

FlooringCarpet, Tile

FireplaceYes

# of Fireplaces1

Fireplace FeaturesElectric

# of Stories2

LevelsTwo

LaundryUpper Level