This home is in Shearwater, St. Augustine.

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Active

Active·1 day on market·Shearwater

110 Smokerise Drive

St. Augustine, FL 32092

$662,990$221/sqftEst. $3,370/moMLS# 2156349

Beds

Baths

3,005

Sq Ft

2026

Built

Garage

Pool

About this home

Shearwater

MOVE IN READY! This neighborhood is truly one-of-a-kind! Introducing the Ermont floor plan by Lennar Homes, offering 4 bedrooms, 3.5 bathrooms and a 2-car garage. This spacious floor plan includes nice features, such as white cabinets with white quartz kitchen countertops, 42'' upper cabinets, and Frigidaire stainless steel appliances including a range, dishwasher, microwave, and refrigerator. Ceramic wood-look tile flows through the main living areas and extends into the living room, dining room, and hallways. Additional features include window blinds throughout, a screened lanai, and a full sprinkler system. Enjoy peace of mind with a one-year builder warranty, dedicated customer service program, and 24-hour emergency service. (Conditions may apply)

Cost to own

Mortgage calculator

Home Price

$662,990

Down Payment: 20%

$132,598

Interest Rate: 6.55%

Loan Term

Monthly Payment

$3,370

Principal & Interest: $3,370

Property taxes (est.): $882

Insurance (est.): $442

Estimated Total Monthly

$4,694

*30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, 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 · 6.55% · 30yr$3,370

Property taxesest. at asking price, St. Johns County$882

HOAbilled annually$20

Estimated total, before insurance$4,272/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.

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 2026)

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

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 21, 2026Listed$662,990

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

Features

Price$662,990

Price / Sq Ft$221

Bedrooms4

Bathrooms3.50

Full Baths3

Half Baths1

Square Footage3,005

Acres0.14 acres

Year Built2026

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch, Traditional

Property ConditionUnder Construction

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

New ConstructionYes

School Information

ElementaryTimberlin Creek

MiddleSwitzerland Point

HighBartram Trail

Community Information

Address110 Smokerise Drive, St. Augustine, FL 32092

Area304- 210 South

SubdivisionShearwater

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32092

Lot Size6,098.4 sq ft

Lot Dimensions50X125

Parcel Number000

Amenities

AmenitiesPool, Clubhouse, Fitness Center, Jogging Path, Playground, Tennis Court(s), Trash

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

SewerPublic Sewer

Water SourcePublic

Green / EnergyWindows

ParkingGarage, Garage Door Opener

Interior

Interior FeaturesBreakfast Bar, Eat-in Kitchen, Kitchen Island, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)

AppliancesConvection Oven, Dishwasher, Disposal, Double Oven, Dryer, Gas Cooktop, Gas Oven, Gas Range, Gas Water Heater, Ice Maker, Microwave, Refrigerator, Washer

HeatingCentral, Electric, Heat Pump

CoolingCentral Air, Electric

FlooringTile

# of Stories1

LevelsTwo

LaundryElectric Dryer Hookup, Washer Hookup

SecuritySmoke Detector(s)