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. Johns — a waterfront home in St. Johns County.

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Active

Active·2 days on market·Shearwater

155 Appleton Court

St. Johns, FL 32092

$339,900$211/sqftEst. $1,747/moMLS# 2161715

Beds

Baths

1,611

Sq Ft

2021

Built

Garage

Pool

About this home

Shearwater

Welcome to this beautifully appointed 2-bedroom, 2.5-bath townhome in the sought-after Shearwater community. Thoughtfully upgraded throughout, this stunning home combines elegant custom finishes with comfortable, modern living. The main living area showcases beautiful wainscoting, custom cabinetry, designer light fixtures, and a striking chandelier. A custom floating entertainment center with built-in downlighting creates a sophisticated focal point. Large windows provide serene views of one of Shearwater's picturesque retention ponds, while the screened-in paver lanai offers the perfect place to relax and enjoy the peaceful surroundings. The spacious kitchen features a large island, abundant cabinetry, and a walk-in pantry. The luxurious downstairs half bath is a showstopper, featuring exceptional tilework and custom lighting. Upstairs, both generously sized bedrooms offer plenty of natural light. and comfort. Each walk-in closet has been professionally customized.

Cost to own

Mortgage calculator

Home Price

$339,900

Down Payment: 20%

$67,980

Interest Rate: 6.66%

Loan Term

Monthly Payment

$1,747

Principal & Interest: $1,747

Property taxes (est.): $452

Insurance (est.): $227

Estimated Total Monthly

$2,426

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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 · 6.66% · 30yr$1,747

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

HOAbilled monthly$200

Estimated total, before insurance$2,400/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$6,351/yr · $529/mo

This bill runs well above the county-average estimate — usually the sign of a CDD or special assessment on this home. We confirm the exact line (and whether a bond was ever prepaid) before you offer.

• 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): $6,351/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: ~1,717 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

Price & status history

Aug 25, 2026Listed$339,900

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

Features

Price$339,900

Price / Sq Ft$211

Bedrooms2

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage1,611

Acres0.05 acres

Year Built2021

TypeResidential

Sub-TypeTownhouse

StyleTraditional

StatusActive

# of Garages1

Has PoolNo

Is WaterfrontYes

Community Information

Address155 Appleton Court, St. Johns, FL 32092

Area304- 210 South

SubdivisionShearwater

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32092

Lot Size2,178 sq ft

Parcel Number0100152700

Amenities

AmenitiesPool, Barbecue, Basketball Court, Car Wash Area, Children's Pool, Clubhouse, Dog Park, Fitness Center, Jogging Path, Management - Full Time, Management- On Site, Park, Pickleball, Playground, Spa/Hot Tub, Tennis Court(s)

UtilitiesCable Connected, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener, Guest, On Street

ViewPool

Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Built-in Features, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Smart Thermostat, Walk-In Closet(s)

AppliancesConvection Oven, Dishwasher, Disposal, Dryer, Electric Oven, Electric Range, Electric Water Heater, Microwave, Refrigerator, Washer

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, Upper Level, Washer Hookup