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

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Sold

Sold·Closed Sep 10, 2026·13 days on market·Recent sales in Shearwater·Shearwater

115 Windley Drive

St. Augustine, FL 32092

$625,000sold priceListed at $634,000 · 98.6% of asking$253/sqftMLS# 2156642

Beds

Baths

2,473

Sq Ft

2019

Built

Garage

Yes

Pool

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

FEMA Zone XHOA $88/mo7,405 sqft lotSingle Family Residence1 story

About this home

Shearwater

Brand-new pool and screened enclosure, less than one year old! Located in the highly sought-after Shearwater community of St. Johns County, this beautifully upgraded 4-bedroom, 3-bathroom pool home combines sophisticated design with the best of Florida living. The main living areas feature elegant wainscoting and chair-rail detailing, while the spacious living room serves as the heart of the home with striking custom built-ins and bookshelves. The primary suite includes luxury vinyl plank flooring and a custom-designed closet system that offers both style and exceptional organization. Upgraded fixtures throughout the home add a modern, refined touch to every room. The oversized garage provides plenty of additional storage and flexibility, featuring a two-car garage plus a separate third-car bay and an expansive paver driveway.

Next steps in Shearwater

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$3,462

Property taxesest. at asking price, St. Johns County$832

HOAbilled quarterly$88

Estimated total, before insurance$4,381/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$9,266/yr · $772/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).

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 2019)

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

Solar potential: ~1,770 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.

Around this address

Nearby, from public data

The closest public beach, park, water access, league fields and grocery store from this home's location.

Closest beach parking
Guana Reserve beach lot (south)
about 14 mi · 94 parking spaces
Closest park or preserve
Gourd Island Conservation Area
15 min drive · 3.3 mi of trails
Closest public boat ramp
Trout Creek Park Boat Ramp
about 3 mi · St. Johns River - Trout Creek (St. Augustine)
Closest kayak & paddleboard launch
Alpine Groves Park Canoe and Kayak Launch
about 6 mi · St. Johns River
Closest youth league fields
Durbin Crossing Park
15 min drive · Baseball, Football, Lacrosse, Softball, Track, Soccer
Closest grocery store
Publix
11 min drive · 2845 County Road 210 W, Saint Johns

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $9,266/yr

Estimated taxes if purchased at asking price: ~$10,000/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 11, 2026Closed$634,000
Aug 5, 2026Active Under Contract$634,000
Jul 30, 2026Price change$634,000−$15,999
Jul 23, 2026Listed$649,999

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 $250/sq ft; this home is listed at $256/sq ft.

Address	Closed	Price	$/sq ft	Bd/Ba	Sq ft	DOM	Miles
126 Seahill Drive, St. Augustine, FL 32092Listed by LOWEST FEE REALTY LLC	Sep 2026	$819,000	$274	4/3	2,989	23	0.3
41 Palisade Drive, St. Augustine, FL 32092Listed by CASTILLO REAL ESTATE JAX	Sep 2026	$590,000	$217	4/3	2,723	88	0.3
201 Tilden Court, St. Augustine, FL 32092Listed by ROOT REALTY LLC	Oct 2026	$540,000	$266	4/3	2,027	72	0.5
21 Yardley Court, St. Augustine, FL 32092Listed by VREELAND REAL ESTATE LLC	Sep 2026	$580,000	$236	4/3	2,461	78	0.9
135 Smokerise Drive, St. Augustine, FL 32092Listed by LENNAR REALTY INC	Oct 2026	$564,499	$250	4/2.5	2,257	99	1
57 Smokerise Drive, St. Augustine, FL 32092Listed by LENNAR REALTY INC	Sep 2026	$530,000	$235	4/2.5	2,257	108	1.1

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$634,000

Price / Sq Ft$256

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,473

Acres0.17 acres

Year Built2019

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusClosed

# of Garages2

Has PoolYes

Pool FeaturesIn Ground, Screen Enclosure

Is WaterfrontNo

School Information

ElementaryTrout Creek Academy

MiddleTrout Creek Academy

HighBeachside

Community Information

Address115 Windley Drive, St. Augustine, FL 32092

Area304- 210 South

SubdivisionShearwater

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32092

Lot Size7,405.2 sq ft

Parcel Number0100131630

Amenities

AmenitiesPool, Children's Pool, Clubhouse, Dog Park, Fitness Center, Jogging Path, Playground

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

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage

ViewPool

Interior

Interior FeaturesBuilt-in Features, Kitchen Island, Primary Bathroom - Shower No Tub, Primary Downstairs, Walk-In Closet(s)

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

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringCarpet, Vinyl

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Washer Hookup

SecuritySmoke Detector(s)

Spa FeaturesIn Ground

Exterior

Patio / PorchCovered, Front Porch, Porch, Screened

RoofShingle

ConstructionFiber Cement, Frame

Road SurfaceAsphalt

Road FrontageCity Street

Additional Information

Date ListedJuly 23, 2026

Days on Market13

HOA Fees$263.25 / Quarterly

HOA FrequencyQuarterly

Tax Amount$9,265.86

Tax Year2025

Listing TermsCash, Conventional, FHA, VA Loan

55+ CommunityNo

New ConstructionNo

Listing Courtesy of: ROUND TABLE REALTY

Sold by: MOMENTUM REALTY (buyer's brokerage)

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.

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