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 Bartram Trail High School.

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Active

Active·1 day on market·Shearwater

56 Ben Court

St. Augustine, FL 32092

$460,000$241/sqftEst. $2,367/moMLS# 2159814

Beds

Baths

1,908

Sq Ft

2023

Built

Garage

Pool

About this home

Shearwater

Welcome to 56 Ben Court, a beautifully appointed home nestled in Shearwater, a highly sought-after master planned community. Offering resort-style amenities, multiple pools, fitness center, tennis courts, parks, playgrounds and miles of scenic trails. Located within walking distance to a pristine and highly regarded K-8 school. Thoughtfully designed with style and functionality in mind, this one-story home complete with two car garage & paver driveway, includes 4 bedrooms, 2 bathrooms and offers a thoughtfully designed split floor plan. The refined interior along with beautiful finishes of chrome, brushed nickel, quartz and tile, creates an inviting and light-filled atmosphere. Custom-made sliding plantation shutters adds a distinctive architectural touch to add both privacy and sophistication. The spacious owner's suite features a walk in closet, dual vanities, soaking tub. and separate shower. The covered screened lanai is perfect for enjoying the outdoors and Florida lifestyle.

Cost to own

Mortgage calculator

Home Price

$460,000

Down Payment: 20%

$92,000

Interest Rate: 6.67%

Loan Term

Monthly Payment

$2,367

Principal & Interest: $2,367

Property taxes (est.): $612

Insurance (est.): $307

Estimated Total Monthly

$3,286

*30-year loan at 6.67% APR (avg 30-yr rate 2026-08-13, 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 · 6.67% · 30yr$2,367

Property taxesest. at asking price, St. Johns County$612

HOAbilled monthly$236

Estimated total, before insurance$3,215/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 2023)

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.

History