This home is in Shearwater, St. Augustine — a home near Beachside High School.
Sold·Closed Aug 31, 2026·7 days on market·Recent sales in Shearwater·Shearwater
187 Ashbury Street
St. Augustine, FL 32092
52 more homes for sale in Shearwater →Search Shearwater on the map
About this home
Shearwater
Corner lot, summer kitchen, over $33,000 in upgrades already done, plus a lagoon resort pool and a kayak launch into Trout Creek without leaving the neighborhood. Behind a privacy hedge, a custom lighted pergola shades a built-in grill and refrigerator, set on pavers and turf that stays green year-round. The outdoor TV and soundbar convey. It's the reason you won't leave the house on a Saturday, unless it's to drop a kayak in the creek, jump in the pool, golf cart ride or hit the trails! Inside, a large granite island under custom lighting. Gas range, subway tile, soft gray shaker cabinetry, luxury vinyl plank room to room. Custom closet systems. Laundry behind double doors. Pergola, pavers, turf, fencing, gutters, epoxy garage floor, flooring, windows, closets: the sellers spent it so you don't have to. Itemized list with costs in MLS documents. Zoned for A-rated St. Johns County schools, minutes from the Lazy Bird River and Fitness Lodge. Move in. Fire up the grill. You're done
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.
- • 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
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 homeAs 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): $6,187/yr
Estimated taxes if purchased at asking price: ~$6,600/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.
History
Price & status history
- Sep 9, 2026Closed$419,000
- Aug 6, 2026Pending$419,000
- Jul 30, 2026Listed$419,000
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 $234/sq ft; this home is listed at $255/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 226 Ashbury Street, St. Augustine, FL 32092Listed by FLORIDA LIFE REALTY AND INVESTMENTS, LLC. | Aug 2026 | $410,000 | $234 | 3/2 | 1,752 | 41 | 0 |
| 201 Tilden Court, St. Augustine, FL 32092Listed by ROOT REALTY LLC | Oct 2026 | $540,000 | $266 | 4/3 | 2,027 | 72 | 0.4 |
| 88 Howell Court, St. Augustine, FL 32092Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST | Jul 2026 | $470,000 | $232 | 4/3 | 2,027 | 84 | 0.4 |
| 220 Rivercliff Trail, St. Augustine, FL 32092Listed by SELECT REALTY LLC | Jul 2026 | $451,000 | $222 | 4/3 | 2,027 | 59 | 0.5 |
| 209 Rivercliff Trail, St. Augustine, FL 32092Listed by WATSON REALTY CORP | Jul 2026 | $508,500 | $251 | 4/3 | 2,027 | 35 | 0.6 |
| 383 Windswept Way, St. Augustine, FL 32092Listed by COLDWELL BANKER VANGUARD REALTY | Jun 2026 | $375,000 | $209 | 3/2 | 1,790 | 20 | 0.6 |
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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: MOMENTUM REALTY
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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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Aug 31, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.
Text Krista about this saleHomes for sale nearby →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.
Northeast Florida living
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