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.

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Active

Active·Listed today·Shearwater

187 Ashbury Street

St. Augustine, FL 32092

$419,000$255/sqftEst. $2,136/moMLS# 2157724

Beds

Baths

1,643

Sq Ft

2020

Built

Garage

Pool

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

Cost to own

Mortgage calculator

Home Price

$419,000

Down Payment: 20%

$83,800

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,136

Principal & Interest: $2,136

Property taxes (est.): $558

Insurance (est.): $279

Estimated Total Monthly

$2,973

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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 · 6.58% · 30yr$2,136

Property taxesest. at asking price, St. Johns County$558

HOAbilled annually$20

Estimated total, before insurance$2,714/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$6,187/yr · $516/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): $6,187/yr

Estimated taxes if purchased at asking price: ~$6,700/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.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

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 home

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