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.

1 / 43

Active

Active·46 days on market·Shearwater

56 Ben Court

St. Augustine, FL 32092

$475,000$249/sqftEst. $2,536/moMLS# 2159814

Beds

Baths

1,908

Sq Ft

2023

Built

Garage

Pool

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

FEMA Zone XHOA $236/moSingle Family Residence1 story

About this home

Shearwater

Welcome to 56 Ben Court, a beautifully appointed home nestled in Shearwater. A professionally installed French drainage system will keep your yard looking pristine in this highly sought after master planned community. Offering resort-style amenities, multiple pools, fitness center, miles of scenic trails and walking distance to the 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

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.03% · 30yr$2,536

Property taxesest. at asking price, St. Johns County$632

HOAbilled monthly$236

Estimated total, before insurance$3,404/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.

Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

Home Price

$475,000

Down Payment: 20%

$95,000

Interest Rate: 7.03%

Loan Term

Monthly Payment

$2,536

Principal & Interest: $2,536

Property taxes (est.): $632

Insurance (est.): $317

Estimated Total Monthly

$3,485

*30-year loan at 7.03% APR (avg 30-yr rate 2026-09-24, 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: 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.

Sun & Light

Southwest-facing backyard — long light and winter sunsets

The listing reports the home facing northeast, which puts the backyard on the southwest side. Today at this address: sunrise 7:18 AM, sunset 7:16 PM.

The rear carries sun from midday deep into the evening, and in winter the sun sets almost straight into this exposure — the longest usable outdoor light of the diagonal lots.
Summer late-afternoons run hot; a pool here is warm and sunset-lit, and shading the lanai’s west edge earns its keep.

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.

History

Price & status history

Sep 23, 2026Price change$475,000+$5,000
Sep 6, 2026Price change$470,000+$10,000
Aug 12, 2026Listed$460,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$475,000

Price / Sq Ft$249

Bedrooms4

Bathrooms2.00

Full Baths2

Square Footage1,908

Year Built2023

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Direction FacesNortheast

School Information

ElementaryTrout Creek Academy

HighBartram Trail

Community Information

Address56 Ben Court, St. Augustine, FL 32092

Area304- 210 South

SubdivisionShearwater

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32092

Parcel Number0100172220

ZoningPUD

Amenities

UtilitiesNatural Gas Connected

Water SourcePublic

ParkingAttached, Garage

Interior

AppliancesDishwasher, Disposal, Gas Water Heater

HeatingCentral, Heat Pump

CoolingCentral Air

# of Stories1

LevelsOne

Additional Information

Date ListedAugust 12, 2026

Days on Market53

HOA Fees$236 / Monthly

HOA FrequencyMonthly

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 →

Keep looking

More homes in Shearwater

View all Shearwater homes →