This home is in Shearwater, St. Augustine.
Active·5 days on market·Shearwater
43 Samantha Court
St. Augustine, FL 32092
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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Shearwater
FLAT END UNIT TOWNHOME; NO STAIRS! Rare opportunity to own this beautifully maintained 1,500 sq. ft., 3-bedroom, 2-bath townhome with an attached TWO-CAR GARAGE in the desirable Shearwater community! This light and bright home features 10-foot ceilings, 8-foot doors, plenty of windows, and wood-look tile flooring. The kitchen offers 42-inch white cabinets with crown molding, quartz countertops, subway tile backsplash, and stainless steel appliances. The spacious primary suite features a large walk-in closet and private bath with dual sinks and an oversized seamless glass shower. Two additional bedrooms, a guest bath, and a laundry room with washer and dryer complete the interior. Relax on the charming front porch or enjoy Shearwater's resort-style amenities, including pools, a lazy river, playgrounds, and miles of scenic trails. All within a golf-cart-friendly community! Don't miss this hard-to-find floor plan!
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.
This bill runs well above the county-average estimate — usually the sign of a CDD or special assessment on this home. We confirm the exact line (and whether a bond was ever prepaid) before you offer.
- • 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.
Outside all hurricane evacuation zones
This location is not in a designated storm-surge evacuation zone.
Roof: Shingle — year not disclosed (home built 2023)
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 homeAs 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.
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 15 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 3 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
Aberdeen Park15 min drive · Baseball, Football, Lacrosse, Softball, Track, Soccer
Closest grocery store
Publixabout 3 mi · 205 Rivertown Shops Dr, 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
2025 property taxes (current owner): $7,151/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 14, 2026Listed$329,900
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 $196/sq ft; this home is listed at $165/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 22 Belfort Court, St. Augustine, FL 32092Listed by LENNAR REALTY INC | Sep 2026 | $382,500 | $191 | 4/2.5 | 2,005 | 34 | 0.1 |
| 36 Belfort Court, St. Augustine, FL 32092Listed by LENNAR REALTY INC | Sep 2026 | $352,500 | $196 | 3/2.5 | 1,799 | 0 | 0.1 |
| 28 Belfort Court, St. Augustine, FL 32092Listed by LENNAR REALTY INC | Sep 2026 | $352,500 | $196 | 3/2.5 | 1,799 | 107 | 0.1 |
| 67 Belfort Court, St. Augustine, FL 32092Listed by LENNAR REALTY INC | Aug 2026 | $317,000 | $212 | 3/3 | 1,494 | 18 | 0.1 |
| 81 Belfort Court, St. Augustine, FL 32092Listed by LENNAR REALTY INC | Aug 2026 | $318,000 | $177 | 3/2.5 | 1,799 | 55 | 0.1 |
| 77 Belfort Court, St. Augustine, FL 32092Listed by LENNAR REALTY INC | Aug 2026 | $330,000 | $183 | 3/2.5 | 1,799 | 26 | 0.1 |
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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: RE/MAX SPECIALISTS
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
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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.
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