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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in Shearwater Townhomes, St. Augustine — a waterfront home in St. Johns County.

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Pending

Pending·51 days on market·Shearwater Townhomes

154 Belfort Court

St. Augustine, FL 32092

$364,000$202/sqftEst. $2,016/moMLS# 2161195
3
Beds
2.5
Baths
1,799
Sq Ft
2026
Built
2
Garage
No
Pool

25 more homes for sale in Shearwater Townhomes →Search Shearwater Townhomes on the map

FEMA Zone XHOA $204/mo2,178 sqft lotWaterfrontTownhouse1 storyNew construction

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Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.

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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

About this home

Shearwater Townhomes

Under Construction: Ready November 2026! Introducing the Osprey floor plan by Lennar Townhomes - a spacious unit featuring 3 bedrooms, 2.5 bathrooms, and a two-car garage. This home includes Lennar's signature Everything's Included package: elegant white quartz countertops, 42-inch cabinetry, and a complete Frigidaire stainless steel appliance, range, dishwasher, microwave, and refrigerator. Stylish ceramic wood-look tile is featured in all wet areas and extends into the living, dining, and hallway spaces. Additional highlights include quartz vanities, a pre-screened lanai, water heater, window blinds throughout, a full sprinkler system, and a pavered driveway. Enjoy added peace of mind with a one-year builder warranty, dedicated customer service program, and 24-hour emergency service. (Conditions may apply.)

Next steps in Shearwater Townhomes

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Cost to own

True monthly cost

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

Principal & interest20% down · 7.4% · 30yr$2,016
Property taxesest. at asking price, St. Johns County$484
HOAbilled monthly$204
Estimated total, before insurance$2,705/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,309/yr · $276/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$364,000
$72,800
Loan Term
Monthly Payment
$2,016
Principal & Interest: $2,016
Property taxes (est.): $484
Insurance (est.): $243
Estimated Total Monthly
$2,743
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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: Shingle — year not disclosed (home built 2026)

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

  • Sep 14, 2026Pending$364,000
  • Sep 10, 2026Price change$364,000+$9,100
  • Aug 25, 2026Price change$354,900−$1,100
  • Aug 21, 2026Listed$356,000

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

Closed sales

What sold nearby

Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $196/sq ft; this home is listed at $202/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
22 Belfort Court, St. Augustine, FL 32092Listed by LENNAR REALTY INCSep 2026$382,500$1914/2.52,005340.1
36 Belfort Court, St. Augustine, FL 32092Listed by LENNAR REALTY INCSep 2026$352,500$1963/2.51,79900.1
28 Belfort Court, St. Augustine, FL 32092Listed by LENNAR REALTY INCSep 2026$352,500$1963/2.51,7991070.1
99 Belfort Court, St. Augustine, FL 32092Listed by LENNAR REALTY INCAug 2026$319,995$2143/31,494200.1
67 Belfort Court, St. Augustine, FL 32092Listed by LENNAR REALTY INCAug 2026$317,000$2123/31,494180.1
81 Belfort Court, St. Augustine, FL 32092Listed by LENNAR REALTY INCAug 2026$318,000$1773/2.51,799550.1

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

Features

Price$364,000
Price / Sq Ft$202
Bedrooms3
Bathrooms2.50
Full Baths2
Half Baths1
Square Footage1,799
Acres0.05 acres
Year Built2026
TypeResidential
Sub-TypeTownhouse
StyleTraditional
Property ConditionUnder Construction
StatusPending
# of Garages2
Has PoolNo
Is WaterfrontYes
New ConstructionYes

School Information

Community Information

Address154 Belfort Court, St. Augustine, FL 32092
Area304- 210 South
SubdivisionShearwater Townhomes
CitySt. Augustine
CountySt. Johns
StateFL
Zip Code32092
Lot Size2,178 sq ft
Parcel Number000

Amenities

AmenitiesPool, Clubhouse, Fitness Center, Jogging Path, Playground, Tennis Court(s), Trash
UtilitiesElectricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
Green / EnergyWindows
ParkingAttached, Garage, Garage Door Opener
Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Eat-in Kitchen, Pantry, Primary Bathroom - Shower No Tub, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Electric Cooktop, Electric Oven, Electric Range, Electric Water Heater, Ice Maker, Microwave, Refrigerator
HeatingCentral, Electric, Heat Pump
CoolingCentral Air, Electric
FlooringCarpet, Tile
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, Washer Hookup

Exterior

Lot DescriptionSprinklers In Front, Sprinklers In Rear
Patio / PorchPatio, Screened
RoofShingle
ConstructionFiber Cement, Frame
Road SurfaceAsphalt

Additional Information

Date ListedAugust 21, 2026
Days on Market21
HOA Fees$204 / Monthly
HOA FrequencyMonthly
Tax Amount$3,308.7
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionYes

Listing Courtesy of: LENNAR REALTY INC

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 Townhomes

Shearwater Townhomes is a neighborhood in St. Johns County, FL (St. Johns County), ZIP 32092.

View all Shearwater Townhomes homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.

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20+ years · 500+ closings · NE Florida

Curious what nearby homes sold for?

MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

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