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

98 Bramble Court

St. Augustine, FL 32092

$287,500$168/sqftEst. $1,477/moMLS# 2160946

Beds

Baths

1,707

Sq Ft

2023

Built

Garage

Pool

About this home

Shearwater

LIVE THE SHEARWATER LIFESTYLE! This beautifully maintained 2023 Lennar townhome offers modern comfort, a fantastic open-concept layout, and access to some of the most impressive resort-style amenities in St. Johns County. Located in the highly sought-after Shearwater community and zoned for award-winning St. Johns County schools, this turnkey home is ready for you to move right in!

Cost to own

Mortgage calculator

Home Price

$287,500

Down Payment: 20%

$57,500

Interest Rate: 6.65%

Loan Term

Monthly Payment

$1,477

Principal & Interest: $1,477

Property taxes (est.): $383

Insurance (est.): $192

Estimated Total Monthly

$2,051

*30-year loan at 6.65% APR (avg 30-yr rate 2026-08-20, 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 · 6.65% · 30yr$1,477

Property taxesest. at asking price, St. Johns County$383

HOAbilled monthly$160

Estimated total, before insurance$2,019/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: Shingle — 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

Price & status history

Aug 20, 2026Listed$287,500

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

Features

Price$287,500

Price / Sq Ft$168

Bedrooms3

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage1,707

Acres0.05 acres

Year Built2023

TypeResidential

Sub-TypeTownhouse

StyleContemporary, Traditional

StatusActive

# of Garages1

Has PoolNo

Is WaterfrontNo

School Information

ElementaryTimberlin Creek

MiddleSwitzerland Point

HighBeachside

Community Information

Address98 Bramble Court, St. Augustine, FL 32092

Area304- 210 South

SubdivisionShearwater

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32092

Lot Size2,178 sq ft

Parcel Number0100181520

ZoningResidential

Amenities

AmenitiesPool, Clubhouse, Fitness Center, Jogging Path, Park, Playground

UtilitiesElectricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Pantry, Primary Bathroom - Shower No Tub, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Range, Microwave, Refrigerator

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile

# of Stories2

LevelsTwo

LaundryIn Unit