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

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Active

Active·Listed today·Shearwater

299 Rivercliff Trail

St. Augustine, FL 32092

$514,999$223/sqftEst. $2,749/moMLS# 2166329

Open house Sat, Sep 26 · 11:00 am–2:00 pm

Beds

2.5

Baths

2,309

Sq Ft

2019

Built

Garage

Pool

HOA $20/mo6,098 sqft lotSingle Family Residence1 story

About this home

Shearwater

Open House Sat & Sun 11-2:00. 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 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.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.03% · 30yr$2,749

Property taxesest. at asking price, St. Johns County$685

HOAbilled annually$20

Estimated total, before insurance$3,454/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$7,044/yr · $587/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

$514,999

Down Payment: 20%

$103,000

Interest Rate: 7.03%

Loan Term

Monthly Payment

$2,749

Principal & Interest: $2,749

Property taxes (est.): $685

Insurance (est.): $343

Estimated Total Monthly

$3,778

*30-year loan at 7.03% APR (avg 30-yr rate 2026-09-24, 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.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

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.

Ask about this home

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.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $7,044/yr

Estimated taxes if purchased at asking price: ~$8,200/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

Price & status history

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.

Features

Price$514,999

Price / Sq Ft$223

Bedrooms4

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage2,309

Acres0.14 acres

Year Built2019

TypeResidential

Sub-TypeSingle Family Residence

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

School Information

ElementaryTrout Creek Academy

MiddleTrout Creek Academy

HighBeachside

Community Information

Address299 Rivercliff Trail, St. Augustine, FL 32092

Area304- 210 South

SubdivisionShearwater

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32092

Lot Size6,098.4 sq ft

Parcel Number0100121790

Amenities

AmenitiesPool, Clubhouse, Dog Park, Fitness Center, Park, Playground, Tennis Court(s)

UtilitiesCable Available, Electricity Connected, Natural Gas Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage

ViewTrees/Woods

Interior

Interior FeaturesCeiling Fan(s), Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Double Oven, Dryer, Gas Cooktop, Gas Water Heater, Microwave, Refrigerator, Tankless Water Heater, Washer, Water Softener Owned

HeatingCentral

CoolingCentral Air

FireplaceYes

# of Fireplaces1

Fireplace FeaturesElectric

# of Stories1

LevelsOne

LaundryIn Unit

Exterior

Patio / PorchRear Porch, Screened

FencingBack Yard, Wrought Iron

RoofShingle

ConstructionFiber Cement

Additional Information

Date ListedSeptember 25, 2026

Days on Market0

HOA Fees$236 / Annually

HOA FrequencyAnnually

Tax Amount$7,043.68

Tax Year2025

Listing TermsCash, Conventional, FHA, VA Loan

55+ CommunityNo

New ConstructionNo

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.

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299 Rivercliff Trail

Shearwater

True monthly cost

Mortgage calculator

Florida Reality Check

Taxes & assessment

Price & status history

Features

School Information

Community Information

Amenities

Interior

Exterior

Additional Information

About Shearwater

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