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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 home near Beachside High School.

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Active

Active·54 days on market·Shearwater Townhomes

38 Bramble Court

St. Augustine, FL 32092

$287,000$168/sqftEst. $1,577/mo mortgageMLS# 2162948
3
Beds
2.5
Baths
1,707
Sq Ft
2023
Built
1
Garage
No
Pool

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

FEMA Zone XHOA $20/mo1,742 sqft lotTownhouse2 stories

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About this home

Shearwater Townhomes

SHORT SALE ! Beautifully maintained 3 bedroom, 2.5 bathroom townhome offering the perfect blend of comfort, style, and functionality. From the moment you arrive, you'll appreciate the charming curb appeal with coordinated exterior detailing, paver driveway, private garage, and welcoming entry. Inside, you are greeted by light wood-look tile flooring, neutral paint, and an open-concept layout that feels bright and airy. The spacious living area flows seamlessly into the dining space and kitchen, creating an ideal setting for both everyday living and entertaining. The kitchen features white cabinetry, quartz countertops, stainless steel appliances, recessed lighting, a large center island with seating, and a deep undermount sink with upgraded faucet. Sliding glass doors lead to a screened-in lanai with brick paver flooring -- a peaceful retreat perfect for morning coffee or evening relaxation. The additional front sitting area offers even more space to unwind.

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 · 7.32% · 30yr$1,577
Property taxesest. at asking price, St. Johns County$382
HOAbilled annually$20
Estimated total, before insurance$1,979/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,970/yr · $497/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$287,000
$57,400
Loan Term
Monthly Payment
$1,577
Principal & Interest: $1,577
Property taxes (est.): $382
Insurance (est.): $191
Estimated Total Monthly
$2,150
*30-year loan at 7.32% APR (avg 30-yr rate 2026-10-22, 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 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 September 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.

Around this address

Nearby, from public data

The closest public beach, park, water access, league fields and grocery store from this home's location.

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.

Cost to own

Taxes & assessment

YearMarket valueTaxable valueChange
2025$275,527$224,805—
2024$274,151$224,151—
2023$57,000$57,000—

2025 property taxes (current owner): $5,970/yr

Estimated taxes if purchased at asking price: ~$4,600/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 (2025), NEFMLS.

History

Price & status history

  • Sep 1, 2026Listed$287,000

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 $168/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
98 Bramble Court, St. Augustine, FL 32092Listed by RE/MAX SPECIALISTSSep 2026$287,500$1683/2.51,70750.1
42 Belfort Court, St. Augustine, FL 32092Listed by LENNAR REALTY INCOct 2026$325,000$1813/2.51,7991110.2
28 Belfort Court, St. Augustine, FL 32092Listed by LENNAR REALTY INCSep 2026$352,500$1963/2.51,7991070.2
22 Belfort Court, St. Augustine, FL 32092Listed by LENNAR REALTY INCSep 2026$382,500$1914/2.52,005340.2
36 Belfort Court, St. Augustine, FL 32092Listed by LENNAR REALTY INCSep 2026$352,500$1963/2.51,79900.2
99 Belfort Court, St. Augustine, FL 32092Listed by LENNAR REALTY INCAug 2026$319,995$2143/31,494200.2

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$287,000
Price / Sq Ft$168
Bedrooms3
Bathrooms2.50
Full Baths2
Half Baths1
Square Footage1,707
Acres0.04 acres
Year Built2023
TypeResidential
Sub-TypeTownhouse
StatusActive
# of Garages1
Has PoolNo
Is WaterfrontNo

School Information

Zoned elementaryTrout Creek Academy
Zone sourceSt. Johns County School District attendance zones, current school year. Zones change; confirm with the district before you rely on one.
Reported elementaryTrout Creek Academy
Reported middleTrout Creek Academy
Reported highBeachside
Reported byThe listing agent, in the MLS. Where it differs from the zone, the zone wins.

Community Information

Address38 Bramble Court, St. Augustine, FL 32092
Area304- 210 South
SubdivisionShearwater Townhomes
CitySt. Augustine
CountySt. Johns
StateFL
Zip Code32092
Lot Size1,742.4 sq ft
Parcel Number0100181640

Amenities

AmenitiesClubhouse, Dog Park, Fitness Center, Jogging Path, Park, Playground, Tennis Court(s)
UtilitiesOther
Water SourcePublic
ParkingGarage

Interior

Interior FeaturesBreakfast Bar, Eat-in Kitchen, Kitchen Island, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Electric Cooktop, Electric Range, Ice Maker
HeatingCentral
CoolingCentral Air
FlooringCarpet, Tile
# of Stories2
LevelsTwo

Exterior

RoofShingle
ConstructionComposition Siding
Road SurfaceAsphalt
Road FrontagePrivate Road

Additional Information

Date ListedSeptember 1, 2026
Days on Market54
HOA Fees$235.25 / Annually
HOA FrequencyAnnually
HOA NameFirst Service Residential
Tax Amount$5,969.85
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: CASTILLO REAL ESTATE JAX

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

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