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·1 day on market·Shearwater

194 Longtail Drive

St. Augustine, FL 32092

$340,000$194/sqftEst. $1,753/moMLS# 2159443

Beds

Baths

1,750

Sq Ft

2021

Built

Garage

Pool

About this home

Shearwater

Beautifully maintained and thoughtfully updated, this inviting home offers a bright, open-concept layout with stylish finishes and plenty of space for everyday living and entertaining. The main living area features wood-look tile flooring, abundant natural light, and custom decorative wall molding that adds an elevated designer touch. The spacious family room flows seamlessly into the dining area and kitchen, creating an open and comfortable gathering space. The kitchen features generous cabinetry, stainless steel appliances, ample counter space, a center island with seating, and an open view into the main living areas. A striking blue accent wall in the dining space adds character and complements the home's modern, neutral palette. Upstairs, spacious bedrooms offer excellent natural light, while the bathrooms feature double vanities, updated cabinetry and a beautifully tiled walk-in shower with glass enclosure. An interior laundry room provides additional convenience. Sliding glass

Cost to own

Mortgage calculator

Home Price

$340,000

Down Payment: 20%

$68,000

Interest Rate: 6.69%

Loan Term

Monthly Payment

$1,753

Principal & Interest: $1,753

Property taxes (est.): $452

Insurance (est.): $227

Estimated Total Monthly

$2,432

*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$1,753

Property taxesest. at asking price, St. Johns County$452

HOAbilled monthly$165

Estimated total, before insurance$2,371/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,761/yr · $480/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): $5,761/yr

Estimated taxes if purchased at asking price: ~$5,400/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.

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 2021)

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

Solar potential: ~1,772 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