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This home is in Shearwater, St. Augustine.

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Active

Active·3 days on market·Shearwater

206 Lombard Way

St. Augustine, FL 32092

$585,000$246/sqftEst. $3,017/moMLS# 2159230

Beds

Baths

2,375

Sq Ft

2019

Built

Garage

Pool

About this home

Shearwater

Welcome home to this beautifully maintained St. Augustine residence in the desirable Shearwater community. Featuring an open-concept floor plan, spacious living areas, soaring ceilings, and a bright kitchen with abundant cabinetry and modern appliances. The private backyard and covered patio provide the perfect setting for relaxing or entertaining. A wonderful opportunity to enjoy comfortable Florida living in a sought-after community!

Cost to own

Mortgage calculator

Home Price

$585,000

Down Payment: 20%

$117,000

Interest Rate: 6.69%

Loan Term

Monthly Payment

$3,017

Principal & Interest: $3,017

Property taxes (est.): $778

Insurance (est.): $390

Estimated Total Monthly

$4,185

*30-year loan at 6.69% APR (avg 30-yr rate 2026-08-06, 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 · 6.69% · 30yr$3,017

Property taxesest. at asking price, St. Johns County$778

HOAbilled monthly$19

Estimated total, before insurance$3,814/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.

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: material not specified — year not disclosed (home built 2019)

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

Solar potential: ~1,738 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 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.

History