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226 TOWER Court, Saint Augustine, FL, 32092

4beds
3baths
2,379sqft
$499,999
$210price/sqft
$3,322/moest. monthly cost
$132,880/yrincome needed

About This Home

Welcome to 226 Tower Court, a move in ready home in Shearwater located in St. Johns County Florida, one of the most sought after master planned golf cart friendly communities near Jacksonville and St. Augustine known for top rated schools and resort style amenities. This beautifully maintained two story home offers a functional and family friendly layout with modern upgrades, smart home features, and peaceful lake views, making it ideal for buyers searching for homes for sale in Shearwater St Johns County, homes with loft and flex space, or homes with water view and fenced backyard in Northeast Florida. From the moment you arrive, the paver driveway and permanent Gemstone exterior lighting create strong curb appeal and year round convenience. Inside, luxury vinyl plank flooring flows throughout the main living areas, and a flex room near the entry provides the perfect space for a home office, playroom, or additional living area, complemented by a full bathroom on the main level. The open concept layout connects the living room, dining space, and kitchen, creating an ideal setup for both everyday living and entertaining. The kitchen features a large island, quartz countertops, white cabinetry, stainless steel appliances, and smart home upgrades including a WiFi enabled Samsung refrigerator and WiFi enabled washer and dryer. Upstairs, all bedrooms are located together along with a spacious loft that functions well as a media room, game room, or homework space, a layout buyers are actively searching for. The primary suite offers a private retreat with two walk in closets with built in storage and an en suite bath with double vanities and a walk in shower, while three additional bedrooms and a full bath provide ample space for family or guests. Enjoy outdoor living on the expanded screened lanai with paver flooring overlooking a fully fenced backyard and serene lake views, perfect for entertaining or relaxing. Additional features include a WiFi enabled garage door opener, WiFi enabled irrigation system, Nest doorbell, Nest thermostat, and electric vehicle charging capability in the garage. Located within the highly rated St. Johns County School District and just minutes from shopping, dining, and major roadways, this home offers both convenience and lifestyle. Shearwater amenities include resort style pools, lazy river, waterslides, fitness lodge, kayak launch, playgrounds, sports courts, walking trails, and year round community events, all easily accessible by golf cart, enhancing the neighborhood's connected and active lifestyle. Ideal for buyers searching for Shearwater homes for sale, homes with smart home features in St Johns County, or family friendly golf cart friendly communities near Jacksonville Florida, this home offers the perfect blend of space, upgrades, and community living.

Getting Around

2
WalkingCar-Dependent
0
TransitVery Limited Transit
25
BikeSomewhat Bikeable

Schools

10/10
Trout Creek AcademyGrades K-80.3 mi
7/10
Beachside High SchoolGrades 9-126.9 mi

Construction

Condition

  • Property condition: Updated/Remodeled
  • Year built: 2024

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 Range,Gas Water Heater,Microwave,Refrigerator,Tankless Water Heater,Washer
  • Laundry features: In Unit,Upper Level

Bedrooms & Bathrooms

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

Features

  • Ceiling Fan(s),Eat-in Kitchen,Entrance Foyer,His and Hers Closets,Kitchen Island,Open Floorplan,Pantry,Primary Bathroom - Shower No Tub,Smart Home,Smart Thermostat,Split Bedrooms,Walk-In Closet(s)
  • Flooring: Carpet,Tile,Vinyl

Heating & Cooling

  • Heating features: Central,Natural Gas
  • Cooling features: Central Air,Electric

Interior Area

  • Total interior livable area: 2,379 sqft

Property

Details

  • Parcel number: 0100230880
  • Zoning description: Residential

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Covered,Front Porch,Patio,Porch,Rear Porch,Screened
  • Fencing: Back Yard,Wrought Iron
  • Has view: Yes
  • View description: Lake,Pond,Water
  • Has water view: Yes
  • Water view: Lake,Pond,Water
  • On waterfront: Yes
  • Waterfront features: Lake Front,Pond

Lot

  • Lot size: 5,227 sqft
  • Lot size dimensions: 45 x 120

Parking

  • Total spaces: 2
  • Parking features: Attached,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 $2,528$30,336
Home Insurance *$243$2,916
Property Taxes $312$3,744
Electricity $239$2,873
Total$3,322$39,864
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$113,897/yr
40% on housing$99,660/yr
45% on housing$88,586/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

$210This 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
2026-05-12Price change$520,000
2026-03-16Listed for sale$530,000

For Sale by Agent

AgentKYLE WILLIAMS
BrokerageBERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY

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