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This home is in Shearwater, St. Augustine — a home near Bartram Trail High School.

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Active

Active·45 days on market·Shearwater

138 Smokerise Drive

St. Augustine, FL 32092

$609,990$203/sqftEst. $3,379/moMLS# 2163095

↓ $9,000 below original listOpen house Sun, Oct 18 · 12:00 pm–5:00 pm

Beds

3.5

Baths

3,005

Sq Ft

2026

Built

Garage

Pool

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

FEMA Zone XHOA $20/mo6,098 sqft lotSingle Family Residence1 storyNew construction

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About this home

Shearwater

***MOVE IN READY - BRAND NEW HOME*** This neighborhood is truly one-of-a-kind! Introducing the Ermont floor plan by Lennar Homes, offering 4 bedrooms, 3.5 bathrooms and a 2-car garage. This spacious floor plan includes nice features, such as white cabinets with white quartz kitchen countertops, 42'' upper cabinets, and Frigidaire stainless steel appliances including a range, dishwasher, microwave, and refrigerator. Ceramic wood-look tile flows through the main living areas and extends into the living room, dining room, and hallways. Additional features include window blinds throughout, a screened lanai, and a full sprinkler system. Enjoy peace of mind with a one-year builder warranty, dedicated customer service program, and 24-hour emergency service. (Conditions may apply)

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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$3,379

Property taxesest. at asking price, St. Johns County$812

HOAbilled annually$20

Estimated total, before insurance$4,210/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,530/yr · $378/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

Home Price

$609,990

Down Payment: 20%

$121,998

Interest Rate: 7.40%

Loan Term

Monthly Payment

$3,379

Principal & Interest: $3,379

Property taxes (est.): $812

Insurance (est.): $407

Estimated Total Monthly

$4,597

*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-15, 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 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 and league fields from this home's location.

Closest beach parking
Guana Reserve beach lot (south)
about 15 mi · 94 parking spaces
Closest park or preserve
Gourd Island Conservation Area
15 min drive · 3.3 mi of trails
Closest public boat ramp
Trout Creek Park Boat Ramp
about 3 mi · St. Johns River - Trout Creek (St. Augustine)
Closest kayak & paddleboard launch
Alpine Groves Park Canoe and Kayak Launch
about 6 mi · St. Johns River
Closest youth league fields
Aberdeen Park
15 min drive · Baseball, Football, Lacrosse, Softball, Track, Soccer

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; 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.

History

Price & status history

Sep 14, 2026Price change$609,990−$9,000
Sep 10, 2026Price change$618,990+$10,000
Sep 2, 2026Listed$608,990

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 $247/sq ft; this home is listed at $203/sq ft.

Address	Closed	Price	$/sq ft	Bd/Ba	Sq ft	DOM	Miles
135 Smokerise Drive, St. Augustine, FL 32092Listed by LENNAR REALTY INC	Oct 2026	$564,499	$250	4/2.5	2,257	99	0
128 Smokerise Drive, St. Augustine, FL 32092Listed by LENNAR REALTY INC	Aug 2026	$571,499	$253	4/2.5	2,257	116	0
57 Smokerise Drive, St. Augustine, FL 32092Listed by LENNAR REALTY INC	Sep 2026	$530,000	$235	4/2.5	2,257	108	0.1
22 Smokerise Drive, St. Augustine, FL 32092Listed by LENNAR REALTY INC	Aug 2026	$519,980	$230	4/2.5	2,257	56	0.1
21 Yardley Court, St. Augustine, FL 32092Listed by VREELAND REAL ESTATE LLC	Sep 2026	$580,000	$236	4/3	2,461	78	0.4
164 Amalia Way, St. Augustine, FL 32092Listed by HERRON REAL ESTATE LLC	Sep 2026	$764,500	$247	4/3.5	3,094	11	0.8

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$609,990

Price / Sq Ft$203

Bedrooms4

Bathrooms3.50

Full Baths3

Half Baths1

Square Footage3,005

Acres0.14 acres

Year Built2026

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch, Traditional

Property ConditionUnder Construction

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

New ConstructionYes

School Information

Zoned elementaryTrout Creek Academy

Zoned middleTrout Creek Academy

Zoned highBeachside High School

Zone sourceSt. Johns County School District attendance zones, current school year. Zones change; confirm with the district before you rely on one.

Reported elementaryTimberlin Creek

Reported middleSwitzerland Point

Reported highBartram Trail

Reported byThe listing agent, in the MLS. Where it differs from the zone, the zone wins.

Community Information

Address138 Smokerise Drive, St. Augustine, FL 32092

Area304- 210 South

SubdivisionShearwater

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32092

Lot Size6,098.4 sq ft

Lot Dimensions50X125

Parcel Number000

Amenities

AmenitiesPool, Clubhouse, Fitness Center, Jogging Path, Playground, Tennis Court(s), Trash

UtilitiesElectricity Connected, Natural Gas Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

Green / EnergyWindows

ParkingGarage, Garage Door Opener

Interior

Interior FeaturesBreakfast Bar, Eat-in Kitchen, Kitchen Island, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)

AppliancesConvection Oven, Dishwasher, Disposal, Double Oven, Dryer, Gas Cooktop, Gas Oven, Gas Range, Gas Water Heater, Ice Maker, Microwave, Refrigerator, Washer

HeatingCentral, Electric, Heat Pump

CoolingCentral Air, Electric

FlooringTile

# of Stories1

LevelsTwo

LaundryElectric Dryer Hookup, Washer Hookup

SecuritySmoke Detector(s)

Exterior

Lot DescriptionSprinklers In Front, Sprinklers In Rear

Patio / PorchCovered, Front Porch, Porch, Screened

RoofShingle

ConstructionFiber Cement, Frame

Road SurfaceAsphalt

Additional Information

Date ListedSeptember 2, 2026

Days on Market45

HOA Fees$236.25 / Annually

HOA FrequencyAnnually

HOA Fee IncludesPest Control

Tax Amount$4,530.43

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

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

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