This home is in Shearwater, St. Augustine — a home near Beachside High School.
Active·1 day on market·Shearwater
174 Lombard Way
St. Augustine, FL 32092
54 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
Enjoy lakefront living in beautiful Shearwater! This 3-bedroom, 3-full bath home features a dedicated office, gorgeous real wood floors, and abundant natural light. The gourmet kitchen boasts an island, gas cooktop, stainless farmhouse sink, new smart refrigerator, and ample pantry space. All three bathrooms feature subway tile and frameless glass showers. Upstairs, a huge landing offers flexible living space. The primary suite overlooks the lake and includes built-in closet storage. Triple sliding glass doors open to a covered patio, pergola, and extended pavered entertaining area. The fully fenced backyard includes a gas stub for a future outdoor kitchen. Enjoy Shearwater's resort-style amenities, including pools, waterslide, lazy river, fitness center, tennis courts, parks, playgrounds, sports fields, dog parks, 15 miles of trails, and kayak launch on Trout Creek. Located in an A-rated St Johns county school district. Check out the video & 3D virtual tour!
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.
Outside all hurricane evacuation zones
This location is not in a designated storm-surge evacuation zone.
Roof: material not specified — year not disclosed (home built 2019)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,792 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 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.
Sun & Light
North-facing backyard — the shade-and-soft-light lot
The listing reports the home facing south, which puts the backyard on the north side. Today at this address: sunrise 7:29 AM, sunset 6:55 PM.
- The rear stays out of direct sun for most of the day — the coolest lanai orientation in a Florida summer, and the softest, most even light all day.
- Winter afternoons on the lanai run dim earlier than any other orientation.
Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.
Cost to own
Taxes & assessment
2025 property taxes (current owner): $8,648/yr
Estimated taxes if purchased at asking price: ~$8,600/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 15, 2026Listed$540,000
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 $250/sq ft; this home is listed at $223/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 201 Tilden Court, St. Augustine, FL 32092Listed by ROOT REALTY LLC | Oct 2026 | $540,000 | $266 | 4/3 | 2,027 | 72 | 0.3 |
| 115 Windley Drive, St. Augustine, FL 32092Listed by ROUND TABLE REALTY | Sep 2026 | $625,000 | $253 | 4/3 | 2,473 | 13 | 0.3 |
| 41 Palisade Drive, St. Augustine, FL 32092Listed by CASTILLO REAL ESTATE JAX | Sep 2026 | $590,000 | $217 | 4/3 | 2,723 | 88 | 0.6 |
| 21 Yardley Court, St. Augustine, FL 32092Listed by VREELAND REAL ESTATE LLC | Sep 2026 | $580,000 | $236 | 4/3 | 2,461 | 78 | 0.6 |
| 43 Laurel Gate Lane, St. Augustine, FL 32092Listed by ROUND TABLE REALTY | Sep 2026 | $547,500 | $232 | 4/2.5 | 2,357 | 0 | 0.6 |
| 135 Smokerise Drive, St. Augustine, FL 32092Listed by LENNAR REALTY INC | Oct 2026 | $564,499 | $250 | 4/2.5 | 2,257 | 99 | 0.8 |
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: FLORIDA HOMES REALTY & MTG LLC
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
Pending156 Smokerise DriveSt. Augustine, FL 32092
4 bd · 2.5 ba · 2,257 sq ft
$539,999Est. $2,874/mo**Move in ready** **Newly built** Welcome to Lennar Homes' Sierra II floor plan, offering 4 bedrooms, 2.5 baths, a…
Listing Office: lennar realty inc
For Sale98 Yardley CourtSt. Augustine, FL 32092
4 bd · 3 ba · 2,292 sq ft
$539,000Est. $2,869/moNew Price! Motivated Sellers!! Welcome to an exceptional home where timeless design, thoughtful upgrades, and an…
Listing Office: engel & volkers first coast
Pending40 Buffalo CourtSt. Augustine, FL 32092
4 bd · 3 ba · 2,500 sq ft
$541,647Est. $2,883/moThe Vilano is a thoughtfully designed two-story home offering approximately 2,500 square feet of flexible living space,…
Listing Office: olympus executive realty, inc
Pending214 Donovan DriveSt. Augustine, FL 32092
4 bd · 3 ba · 2,500 sq ft
$537,183Est. $2,859/moThe Vilano is a thoughtfully designed two-story home offering approximately 2,500 square feet of flexible living space,…
Listing Office: olympus executive realty, inc
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
Curious what nearby homes sold for?
MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines