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 home near Beachside High School.

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Active

Active·Listed today·Shearwater

103 Windley Drive

St. Johns, FL 32092

$699,000$229/sqftEst. $3,631/moMLS# 2164202

Beds

Baths

3,051

Sq Ft

2020

Built

Garage

Pool

About this home

Shearwater

Welcome to resort-style living in the highly sought-after master-planned community of Shearwater! This beautifully designed 4-bedroom, 4-bathroom home offers an ideal blend of comfort, functionality, and upgraded finishes, all nestled on a peaceful preserve lot. From the moment you arrive, the inviting front porch welcomes you home. Inside, the open-concept floor plan creates an effortless flow between the living, dining, and kitchen spaces, making everyday living and entertaining a breeze. The thoughtfully designed first floor features a spacious primary suite, private office, and laundry room, providing convenience and flexibility for today's lifestyle. The upgraded kitchen offers beautiful finishes, ample cabinetry, and a functional layout that opens seamlessly to the main living area. The spacious primary suite features a large walk-in closet, while the home offers an abundance of storage throughout both the first and second floors. Upstairs, you'll find additional bedrooms

Cost to own

Mortgage calculator

Home Price

$699,000

Down Payment: 20%

$139,800

Interest Rate: 6.76%

Loan Term

Monthly Payment

$3,631

Principal & Interest: $3,631

Property taxes (est.): $930

Insurance (est.): $466

Estimated Total Monthly

$5,027

*30-year loan at 6.76% APR (avg 30-yr rate 2026-09-10, 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 · 6.76% · 30yr$3,631

Property taxesest. at asking price, St. Johns County$930

HOAbilled annually$20

Estimated total, before insurance$4,580/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$8,544/yr · $712/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).

Cost to own

Taxes & assessment

2025 property taxes (current owner): $8,544/yr

Estimated taxes if purchased at asking price: ~$11,200/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.

History