This home is in Shearwater, St. Augustine — a home near Beachside High School.
$499,997Active Under Contract4 bd · 2.5 ba · 2,309 sq ft
Active Under Contract·50 days on market·Shearwater
299 Rivercliff Trail
St. Augustine, FL 32092
56 more homes for sale in Shearwater →Search Shearwater on the map
See it this week
Want to walk through this home this week?
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.
Call (904) 709-7917 Text Krista
Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Shearwater
Some homes are simply maintained. This one has been cared for and the difference shows the moment you arrive. Set behind a paver driveway with a preserve at its back, this 4-bedroom, 2.5-bath home with a flex room offers the kind of layout that earns its keep. The split floor plan gives the master suite genuine separation from the secondary bedrooms not just on paper, but in practice, every day. The kitchen is built for people who actually cook, an oversized center island, double ovens, cabinetry in abundance, and real counter space to work with. All appliances are included, and nothing feels like an afterthought. Throughout the home, custom woodworking, thoughtful accent walls, a barn door, and a fireplace add warmth and character, details that feel intentional rather than decorative. LVP flooring runs throughout, clean and consistent underfoot.
Next steps in Shearwater
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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
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.
Hurricane evacuation zone F
Zone F evacuates after zones A, B, C, D, E in an approaching storm.
Roof: Shingle — year not disclosed (home built 2019)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,746 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.
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, read at the listing’s map pin or, on lots of an acre or more, across the county parcel (state cadastral). A zone shown for part of a lot may not be where the home stands. 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.
Closest beach parking
Guana Reserve beach lot (south)about 14 mi · 94 parking spaces
Closest park or preserve
Gourd Island Conservation Area15 min drive · 3.3 mi of trails
Closest public boat ramp
Trout Creek Park Boat Rampabout 4 mi · St. Johns River - Trout Creek (St. Augustine)
Closest kayak & paddleboard launch
Alpine Groves Park Canoe and Kayak Launchabout 6 mi · St. Johns River
Closest youth league fields
Durbin Crossing Park15 min drive · Baseball, Football, Lacrosse, Softball, Track, Soccer
Closest grocery store
Publix11 min drive · 2845 County Road 210 W, Saint Johns
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
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2026 | $441,341 | $304,896 | — |
2025 property taxes (current owner): $7,044/yr
Estimated taxes if purchased at asking price: ~$7,900/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 1,526 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 (2026), NEFMLS.
History
Price & status history
- Oct 15, 2026Active Under Contract$499,997
- Oct 4, 2026Price change$499,997−$10,002
- Sep 29, 2026Price change$509,999−$5,000
- Sep 25, 2026Active$514,999
- Sep 24, 2026Listed$514,999
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 $243/sq ft; this home is listed at $217/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 206 Rivercliff Trail, St. Augustine, FL 32092Listed by WATSON REALTY CORP | Oct 2026 | $475,000 | $223 | 3/2 | 2,126 | 28 | 0.1 |
| 132 Palisade Drive, St. Augustine, FL 32092Listed by COMPASS FLORIDA LLC | Oct 2026 | $655,500 | $229 | 4/3.5 | 2,860 | 73 | 0.2 |
| 2342 W Clovelly Lane, St. Augustine, FL 32092Listed by HERRON REAL ESTATE LLC | Oct 2026 | $620,000 | $213 | 4/3.5 | 2,917 | 103 | 0.2 |
| 255 Dalton Circle, St. Augustine, FL 32092Listed by WATSON REALTY CORP | Oct 2026 | $425,000 | $243 | 3/2 | 1,752 | 68 | 0.6 |
| 70 Greenie Bend, St. Johns, FL 32259Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST | Oct 2026 | $430,000 | $248 | 3/2 | 1,737 | 64 | 1 |
| 125 Smokerise Drive, St. Augustine, FL 32092Listed by LENNAR REALTY INC | Oct 2026 | $498,411 | $257 | 4/3.5 | 1,943 | 109 | 1.4 |
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.
Is this home priced right?
Ask Krista and she'll email you her read on how this price compares with recent sales nearby.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINE
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.
View all Shearwater homes for sale →Keep looking
More homes in Shearwater
For Sale236 Donovan DriveSt. Augustine, FL 32092
4 bd · 2.5 ba · 2,327 sq ft
$499,990Est. $2,661/moSpacious 4 bedroom, 2.5 bathroom, 2-story home offering 2,327 sq. ft., with the owner's suite conveniently located on…
Listing Office: olympus executive realty, inc
For Sale204 Donovan DriveSt. Augustine, FL 32092
4 bd · 2.5 ba · 2,327 sq ft
$499,990Est. $2,661/moSpacious 4 bedroom, 2.5 bathroom, 2-story home offering 2,327 sq. ft., with the owner's suite conveniently located on…
Listing Office: olympus executive realty, inc
For Sale198 Smokerise DriveSt. Augustine, FL 32092
4 bd · 3 ba · 2,028 sq ft
$499,990Est. $2,661/moMove in Ready! Experience Shearwater lifestyle in this beautifully appointed home! This spacious brand new Trevi…
Listing Office: lennar realty inc
For Sale43 Laurel Gate LaneSt. Augustine, FL 32092
4 bd · 2.5 ba · 2,357 sq ft
$499,900Est. $2,661/moWelcome to Shearwater! This beautiful two story home features a brick paver driveway, two car garage, and private…
Listing Office: round table realty
Keep looking
Similar homes in St. Augustine
Explore the area
More in Shearwater
Shearwater guides & reports
Your Local Realtor
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.
Text Krista about this home20+ years · 500+ closings · NE Florida
Is this home priced right?
Ask Krista and she'll email you her read on how this price compares with recent sales nearby.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines