Skip to main content
Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

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

Photo 1 / 119
Active Under Contract

Active Under Contract·93 days on market·Shearwater

132 Palisade Drive

St. Augustine, FL 32092

$649,999$227/sqftEst. $3,600/moMLS# 2155328
↓ $25,001 below original list
4
Beds
3.5
Baths
2,860
Sq Ft
2018
Built
2
Garage
Yes
Pool

55 more homes for sale in Shearwater →Search Shearwater on the map

FEMA Zone XHOA $20/mo7,405 sqft lotSingle Family Residence2 stories

See it this week

Want to walk through this home this week?

Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.

Call (904) 709-7917 Text Krista

Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

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.

Next steps in Shearwater

FollowNew Shearwater homes the day they list · free, no account

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$3,600
Property taxesest. at asking price, St. Johns County$865
HOAbilled annually$20
Estimated total, before insurance$4,485/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$649,999
$130,000
Loan Term
Monthly Payment
$3,600
Principal & Interest: $3,600
Property taxes (est.): $865
Insurance (est.): $433
Estimated Total Monthly
$4,899
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-15, 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.

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.

Cost to own

Taxes & assessment

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

Estimated taxes if purchased at asking price: ~$10,400/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, NEFMLS.

History

Price & status history

  • Sep 25, 2026Active Under Contract$649,999
  • Sep 2, 2026Price change$649,999−$15,001
  • 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.

Closed sales

What sold nearby

Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $253/sq ft; this home is listed at $227/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
41 Palisade Drive, St. Augustine, FL 32092Listed by CASTILLO REAL ESTATE JAXSep 2026$590,000$2174/32,723880.1
43 Laurel Gate Lane, St. Augustine, FL 32092Listed by ROUND TABLE REALTYSep 2026$547,500$2324/2.52,35700.1
115 Windley Drive, St. Augustine, FL 32092Listed by ROUND TABLE REALTYSep 2026$625,000$2534/32,473130.4
201 Tilden Court, St. Augustine, FL 32092Listed by ROOT REALTY LLCOct 2026$540,000$2664/32,027720.9
94 Blue River Drive, St. Augustine, FL 32092Listed by RICK WOOD & ASSOCIATES INCSep 2026$859,900$2744/33,1401261.2
21 Yardley Court, St. Augustine, FL 32092Listed by VREELAND REAL ESTATE LLCSep 2026$580,000$2364/32,461781.2

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

Features

Price$649,999
Price / Sq Ft$227
Bedrooms4
Bathrooms3.50
Full Baths3
Half Baths1
Square Footage2,860
Acres0.17 acres
Year Built2018
TypeResidential
Sub-TypeSingle Family Residence
StatusActive Under Contract
# of Garages2
Has PoolYes
Pool FeaturesIn Ground, Electric Heat, Fenced, Heated, Salt Water, Waterfall
Is WaterfrontNo

School Information

Zoned elementaryTrout Creek Academy
Zone sourceSt. Johns County School District attendance zones, current school year. Zones change; confirm with the district before you rely on one.
Reported elementaryTrout Creek Academy
Reported middleTrout Creek Academy
Reported highBeachside
Reported byThe listing agent, in the MLS. Where it differs from the zone, the zone wins.

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)
Community FeaturesSidewalks, Suburban, Street Lights
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

Exterior

Exterior FeaturesOther
Patio / PorchCovered, Front Porch, Rear Porch, Screened
FencingBack Yard
RoofShingle
ConstructionFiber Cement, Frame

Additional Information

Date ListedJuly 14, 2026
Days on Market73
HOA Fees$237 / Annually
HOA FrequencyAnnually
Tax Amount$10,190.35
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: COMPASS FLORIDA LLC

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

The neighborhood

About Shearwater

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

View all Shearwater homes for sale →

Your Local Realtor

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.

Text Krista about this home

20+ years · 500+ closings · NE Florida

Curious what nearby homes sold for?

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

Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

Northeast Florida living

Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines