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98 YARDLEY Court, Saint Augustine, FL, 32092

4beds
3baths
2,292sqft
$589,000
$257price/sqft
$4,238/moest. monthly cost
$169,520/yrincome needed

About This Home

Welcome to an exceptional home where timeless design, thoughtful upgrades, and an incredible lifestyle come together in one of St. Johns County's most sought-after communities. Perfectly positioned on a quiet cul-de-sac in Shearwater and just a three-minute walk to Trout Creek Academy, this stunning four-bedroom, three-bath residence with a dedicated study and expansive upstairs bonus suite offers the perfect blend of everyday comfort and luxury. Even better, the new Shearwater Community Park and Junior Library are being built directly across from the school, making this an outstanding location for families. From the moment you arrive, the paved driveway, welcoming front porch, and impressive 8-foot double entry doors create beautiful, inviting curb appeal. Inside, abundant natural light fills the thoughtfully designed floor plan, featuring luxury vinyl plank flooring throughout the main living areas, new carpet, and updated tile in the wet areas. The private study, enclosed with double glass French doors, offers the perfect work-from-home space. At the heart of the home, the stunning chef's kitchen showcases quartz countertops, a classic subway tile backsplash, white shaker cabinetry, a gas cooktop with a striking stainless steel hood, recessed and designer pendant lighting, a farmhouse sink, an oversized island with seating for four, and a custom walk-in pantry with built-in wood shelving. The spacious dining area is ideal for entertaining and is complemented by a custom coffee and serving bar with floating shelves, beautifully designed to match the kitchen finishes. The inviting family room features a tray ceiling, custom shiplap accent wall, electric fireplace with a beautiful mantle, and triple 8-foot pocketing sliders that open seamlessly to the oversized screened lanai. The first-floor owner's suite is a luxurious retreat with a tray ceiling and French doors leading to the spa-inspired bath, complete with a marble-tiled walk-in shower, seamless glass enclosure, dual stone-topped vanities, custom cabinetry, garden tub, and an incredible custom walk-in closet featuring built-ins, quartz counters, and designer lighting. Two additional bedrooms and a beautifully upgraded full bath are located downstairs, while the laundry room is enhanced with custom tile flooring and a stylish barn door. Upstairs, the spacious bonus room with its own full en-suite bath offers endless flexibility as a guest suite, teen retreat, playroom, media room, or second home office. Enjoy Florida living on the oversized screened lanai overlooking the private, fully fenced backyard. The hot tub on the back porch can remain with the home, as well as the playground equipment. The two-car garage includes a workbench with pegboards and overhead storage racks that will convey. (The electric vehicle charger does not convey.) Living in Shearwater means enjoying one of Northeast Florida's premier resort-style communities, complete with a lagoon pool, lazy river, three-story waterslide, fitness center, walking trails, parks, playgrounds, sports courts, and year-round community events-all within the highly acclaimed A-rated St. Johns County School District. This remarkable home offers luxury, functionality, and an exceptional lifestyle in one of Northeast Florida's most desirable communities.

Getting Around

2
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

10/10
Trout Creek AcademyGrades K-80.5 mi
7/10
Beachside High SchoolGrades 8-126.7 mi

Construction

Condition

  • Year built: 2023

Materials

  • Roof: Shingle
  • Construction materials: Fiber Cement

Type & Style

  • Home type: SingleFamily
  • Architectural style: Traditional
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Dryer,Electric Oven,Gas Cooktop,Gas Oven,Gas Water Heater,Ice Maker,Microwave,Refrigerator,Tankless Water Heater,Washer
  • Laundry features: Electric Dryer Hookup,Lower Level,Washer Hookup

Bedrooms & Bathrooms

  • Bedrooms: 4
  • Bathrooms: 3
  • Full bathrooms: 3

Features

  • Breakfast Bar,Built-in Features,Ceiling Fan(s),Eat-in Kitchen,Entrance Foyer,Kitchen Island,Open Floorplan,Pantry,Primary Bathroom -Tub with Separate Shower,Master Downstairs,Smart Thermostat,Split Bedrooms,Walk-In Closet(s)
  • Flooring: Carpet,Tile
  • Number of fireplaces: 1
  • Fireplace features: Electric
  • Fireplace: Yes

Heating & Cooling

  • Heating features: Central,Electric
  • Cooling features: Electric

Interior Area

  • Total interior livable area: 2,292 sqft

Property

Details

  • Parcel number: 0100171640
  • Zoning description: Residential

Features

  • Levels: One
  • Stories: 2
  • Patio & porch: Front Porch,Rear Porch,Screened
  • Has spa: Yes
  • Spa features: Private
  • Fencing: Back Yard,Wrought Iron
  • Has view: Yes
  • View description: Trees/Woods

Lot

  • Lot size: 7,405 sqft
  • Features: Cul-De-Sac,Wooded

Parking

  • Total spaces: 2
  • Parking features: Attached,Electric Vehicle Charging Station(s),Garage,Garage Door Opener
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Hurricane
    HurricaneRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Lightning
    LightningRelatively High
  • Tornado
    TornadoRelatively High
  • Heat Wave
    Heat WaveModerate
  • Wildfire
    WildfireModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Hurricane
Inland Flooding
Lightning
Tornado
Heat Wave
Wildfire
Tsunami

FEMA Declared Disasters in St. Johns County and Florida

Coastal Storm
Flood
Hurricane
Severe Storm
Straight Line Winds
Tornado
Tropical Depression
Tropical Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $2,978$35,736
Home Insurance *$286$3,432
Property Taxes $744$8,928
Electricity $230$2,767
Total$4,238$50,856
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$145,302/yr
40% on housing$127,140/yr
45% on housing$113,013/yr

Florida FAIR Plan Programs

Citizens Property Insurance Corporation [Florida]

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,321,953Commercial: 13,564
Total Premiums$4.60B
Total Exposure$385.82B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 13.7%
13.7%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 1.8%
1.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$257This listing

vs Other Active Listings

Avg $/sqft

ZIP 32092$221
St. Johns County$292

vs Homes Sold Last Month

Median $/sqft

ZIP 32092$217
St. Johns County$239

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-07-07Listed for sale$589,000
2023-09-14Sold$571,588
2023-02-07Sold$600,000
2022-07-14Sold$850,000

For Sale by Agent

AgentJOANIE HEIGHES PA
BrokerageENGEL & VOLKERS FIRST COAST

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