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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·1 day on market·Shearwater Townhomes

18 Viceroy Court

St. Augustine, FL 32092

$330,000$189/sqftEst. $1,806/moMLS# 2168157
3
Beds
2.5
Baths
1,750
Sq Ft
2022
Built
1
Garage
No
Pool

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

FEMA Zone XHOA $165/mo2,614 sqft lotTownhouse2 stories

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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

About this home

Shearwater Townhomes

Welcome home to this spacious end-unit townhome offering an open-concept floor plan, abundant natural light, and comfortable indoor-outdoor living. The main level features durable wood-look tile flooring throughout, a convenient half bath, and an expansive kitchen, dining, and living area designed for everyday living and entertaining. The kitchen offers rich cabinetry, stainless steel appliances, generous counter space, a large center island with seating, and plenty of storage. Sliding glass doors lead to the screened lanai, creating an additional space to relax and enjoy the Florida lifestyle. The end-unit location provides extra windows, additional natural light, and a more open feel. Upstairs, the spacious primary suite includes room for a sitting or work area and a private bath featuring dual vanities and a walk-in shower. Additional bedrooms are generously sized, and the secondary full bath also offers excellent counter and vanity space. Upstairs laundry adds everyday convenience.

Cost to own

True monthly cost

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

Principal & interest20% down · 7.28% · 30yr$1,806
Property taxesest. at asking price, St. Johns County$439
HOAbilled monthly$165
Estimated total, before insurance$2,410/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,761/yr · $480/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

$330,000
$66,000
Loan Term
Monthly Payment
$1,806
Principal & Interest: $1,806
Property taxes (est.): $439
Insurance (est.): $220
Estimated Total Monthly
$2,465
*30-year loan at 7.28% APR (avg 30-yr rate 2026-10-01, 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 2022)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Solar potential: ~1,751 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

As of October 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.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $5,761/yr

Estimated taxes if purchased at asking price: ~$5,300/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

  • Oct 6, 2026Listed$330,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$330,000
Price / Sq Ft$189
Bedrooms3
Bathrooms2.50
Full Baths2
Half Baths1
Square Footage1,750
Acres0.06 acres
Year Built2022
TypeResidential
Sub-TypeTownhouse
StyleTraditional
StatusActive
# of Garages1
Has PoolNo
Is WaterfrontNo

School Information

Community Information

Address18 Viceroy Court, St. Augustine, FL 32092
Area304- 210 South
SubdivisionShearwater Townhomes
CitySt. Augustine
CountySt. Johns
StateFL
Zip Code32092
Lot Size2,613.6 sq ft
Parcel Number0100152010

Amenities

AmenitiesPool, Children's Pool, Clubhouse, Dog Park, Fitness Center, Jogging Path, Park, Playground, Tennis Court(s)
UtilitiesOther
Water SourcePublic
ParkingGarage, Garage Door Opener, Guest

Interior

Interior FeaturesBreakfast Bar, Eat-in Kitchen, Kitchen Island, Pantry, Walk-In Closet(s)
AppliancesDishwasher, Dryer, Electric Oven, Ice Maker, Microwave, Refrigerator, Washer
HeatingCentral
CoolingCentral Air
FlooringCarpet, Tile
# of Stories2
LevelsTwo

Exterior

Patio / PorchPorch, Screened
RoofShingle
ConstructionComposition Siding, Fiber Cement
Road SurfaceAsphalt

Additional Information

Date ListedOctober 7, 2026
Days on Market1
HOA Fees$165 / Monthly
HOA FrequencyMonthly
Tax Amount$5,760.99
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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