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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.

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Sold

Sold·Closed Sep 2, 2026·11 days on market·Recent sales in Shearwater·Shearwater

164 Amalia Way

St. Augustine, FL 32092

$764,500sold priceListed at $774,500 · 98.7% of asking$247/sqftMLS# 2158177
4
Beds
3.5
Baths
3,094
Sq Ft
2025
Built
3
Garage
No
Pool

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

FEMA Zone XHOA $236/mo9,583 sqft lotSingle Family Residence1 story

About this home

Shearwater

Shows like a Model Home! Built in 2025, this semi-custom David Weekley Arthur Floor Plan: 4 bed/4 bath/ Separate Office/2 Separate Flex Space home shows like a MODEL and is truly MOVE-IN READY --better than new construction, with nearly $200,000 in upgrades already done, including a fully installed fence. Situated on a quiet cul-de-sac with a huge backyard offering room for a pool. Soaring ceilings, upgraded flooring, and a gourmet kitchen with GE Café, Profile & Monogram appliances, quartz counters, and a prep kitchen with second sink. Enjoy Shearwater's resort-style amenities: 15+ miles of trails, a lazy river, fitness center, tennis courts, kayak launch, and its own K-8 school.

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$4,235
Property taxesest. at asking price, St. Johns County$1,017
HOAbilled one time$236
Estimated total, before insurance$5,488/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,125/yr · $427/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

$764,500
$152,900
Loan Term
Monthly Payment
$4,235
Principal & Interest: $4,235
Property taxes (est.): $1,017
Insurance (est.): $510
Estimated Total Monthly
$5,762
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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 2025)

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 August 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.

Sun & Light

West-facing backyard — the sunset lot

The listing reports the home facing east, which puts the backyard on the west side. Today at this address: sunrise 7:25 AM, sunset 7:00 PM.

  • Sunsets happen over your own backyard — and in summer the rear takes the full afternoon sun, so the lanai runs hottest of any orientation from about 3pm on.
  • A pool back here is the warmest in town and glitters in the evening; expect afternoon glare on west-facing glass and real value in lanai screening or shade trees.
  • Morning coffee happens in shade; the front of the home takes the sunrise.

Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $5,125/yr

Estimated taxes if purchased at asking price: ~$12,200/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 2, 2026Closed$774,500
  • Aug 12, 2026Pending$774,500
  • Aug 1, 2026Listed$774,500

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 $235/sq ft; this home is listed at $250/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
31 Donovan Drive, St. Augustine, FL 32092Listed by OLYMPUS EXECUTIVE REALTY, INCSep 2026$545,000$2184/32,500460.2
39 Donovan Drive, St. Augustine, FL 32092Listed by OLYMPUS EXECUTIVE REALTY, INCSep 2026$510,000$2194/2.52,327460.2
33 Martha Court, St. Augustine, FL 32092Listed by FLORIDA HOMES REALTY & MTG LLCAug 2026$475,000$2004/32,380570.2
21 Yardley Court, St. Augustine, FL 32092Listed by VREELAND REAL ESTATE LLCSep 2026$580,000$2364/32,461780.5
57 Smokerise Drive, St. Augustine, FL 32092Listed by LENNAR REALTY INCSep 2026$530,000$2354/2.52,2571080.8
128 Smokerise Drive, St. Augustine, FL 32092Listed by LENNAR REALTY INCAug 2026$571,499$2534/2.52,2571160.8

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$774,500
Price / Sq Ft$250
Bedrooms4
Bathrooms3.50
Full Baths3
Half Baths1
Square Footage3,094
Acres0.22 acres
Year Built2025
TypeResidential
Sub-TypeSingle Family Residence
StatusClosed
# of Garages3
Has PoolNo
Is WaterfrontNo
Direction FacesEast

School Information

Community Information

Address164 Amalia Way, St. Augustine, FL 32092
Area304- 210 South
SubdivisionShearwater
CitySt. Augustine
CountySt. Johns
StateFL
Zip Code32092
Lot Size9,583.2 sq ft
Parcel Number0100190650

Amenities

AmenitiesPool, Barbecue, Children's Pool, Clubhouse, Dog Park, Fitness Center, Jogging Path, Management - Developer, Management- On Site, Park, Playground, Tennis Court(s)
UtilitiesElectricity Connected, Sewer Connected
SewerPublic Sewer
Water SourcePublic
ParkingGarage Door Opener

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Built-in Features, Butler Pantry, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Smart Home, Smart Thermostat, Walk-In Closet(s)
AppliancesConvection Oven, Dishwasher, Disposal, Double Oven, Dryer, ENERGY STAR Qualified Dryer, ENERGY STAR Qualified Refrigerator, ENERGY STAR Qualified Water Heater, Gas Oven, Microwave, Refrigerator
HeatingCentral, Zoned
CoolingCentral Air, Zoned
FireplaceYes
# of Fireplaces1
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, In Unit, Washer Hookup
SecurityCarbon Monoxide Detector(s), Smoke Detector(s)

Exterior

Lot DescriptionCul-De-Sac
Patio / PorchCovered, Front Porch, Rear Porch, Screened
FencingBack Yard
RoofShingle

Additional Information

Date ListedAugust 1, 2026
Days on Market11
HOA Fees$236 / One Time
HOA FrequencyOne Time
Tax Amount$5,125.3
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: HERRON REAL ESTATE 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

This home sold on Sep 2, 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.

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20+ years · 500+ closings · NE Florida

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