Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in Shearwater, St. Augustine — a home near Beachside High School.

1 / 119

Active

Active·45 days on market·Shearwater

132 Palisade Drive

St. Augustine, FL 32092

$665,000$233/sqftEst. $3,419/moMLS# 2155328

Beds

Baths

2,860

Sq Ft

2018

Built

Garage

Yes

Pool

About this home

Shearwater

This beautifully upgraded home offers 4 bedrooms, 3.5 bathrooms and a private office, along with exceptional space and flexibility in the heart of Shearwater. The welcoming front porch and Hardie board exterior create an inviting first impression. The heated saltwater pool is a true showstopper, with a zero-entry design, built in barstools and waterfalls. The gourmet kitchen is designed for both everyday living and entertaining. It features quartz countertops, a gas cooktop, double wall ovens, an oversized island and a walk- in pantry. The large dining area overlooks the living room and pool. Stacking sliding glass doors open the living room to an expansive screened lanai, creating a seamless connection between the indoor and outdoor living spaces. In addition to the 4 bedrooms, the home includes a private study with French doors that works beautifully as a dedicated office. The spacious primary suite provides a relaxing retreat with a large walk in closet and a spa inspired bathroom.

Cost to own

Mortgage calculator

Home Price

$665,000

Down Payment: 20%

$133,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$3,419

Principal & Interest: $3,419

Property taxes (est.): $885

Insurance (est.): $443

Estimated Total Monthly

$4,747

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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 · 6.66% · 30yr$3,419

Property taxesest. at asking price, St. Johns County$885

HOAbilled annually$20

Estimated total, before insurance$4,323/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$10,190/yr · $849/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

2025 property taxes (current owner): $10,190/yr

Estimated taxes if purchased at asking price: ~$10,600/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 1,595 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 2018)

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

Solar potential: ~1,520 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

Jul 29, 2026Price change$665,000−$10,000
Jul 14, 2026Listed$675,000

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

Features

Price$665,000

Price / Sq Ft$233

Bedrooms4

Bathrooms3.50

Full Baths3

Half Baths1

Square Footage2,860

Acres0.17 acres

Year Built2018

TypeResidential

Sub-TypeSingle Family Residence

StatusActive

# of Garages2

Has PoolYes

Pool FeaturesIn Ground, Electric Heat, Fenced, Heated, Salt Water, Waterfall

Is WaterfrontNo

School Information

ElementaryTrout Creek Academy

MiddleTrout Creek Academy

HighBeachside

Community Information

Address132 Palisade Drive, St. Augustine, FL 32092

Area304- 210 South

SubdivisionShearwater

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32092

Lot Size7,405.2 sq ft

Parcel Number0100122830

Amenities

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

UtilitiesCable Connected, Electricity Connected, Natural Gas Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Guest Suite, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Primary Downstairs, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Disposal, Double Oven, Dryer, Freezer, Gas Cooktop, Gas Water Heater, Microwave, Refrigerator, Tankless Water Heater, Washer

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringCarpet, Vinyl

# of Stories2

LaundryLower Level