$540,000
28 COBALT Lane, St. Augustine, FL 32092, St. Augustine, FL 32092
Shearwater
- Price
- $540,000
- Beds / Baths
- 4 / 2
- Living area
- 2,126 sqft
- Year built
- 2019
- Type
- Residential
- Lot
- 0.29 ac
- Garage
- 2
- HOA
- $20/mo
- CDD
- Yes
- Flood zone
- Unknown
- County
- St. Johns
- Days on market
- 106
- Elementary
- Trout Creek Academy
- Middle
- Trout Creek Academy
- High school
- Beachside
$254/sqft asking, vs a $205/sqft median across 2,774 closed sales in 32092 over the last 12 months — 24% above the area's closed prices. Condition and lot vary; that's what a showing is for.
Welcome home to this beautifully upgraded 3-bedroom, 2-bathroom home situated on one of the largest lots in highly sought-after Shearwater -- one of the premier master-planned communities in St. Johns County. From the moment you step inside, you'll feel right at home with a thoughtfully designed floor plan offering seamless transitions, open-concept living, and incredible versatility throughout. Upon entry, you are greeted by a spacious flex room ideal for a formal dining space, home office, playroom, or additional sitting area. The stunning kitchen serves as the heart of the home featuring an oversized quartz island, stainless steel appliances, gas range, abundant cabinetry, walk-in pantry, and beautiful finishes that effortlessly flow into the expansive great room. The inviting living space is enhanced by a custom shiplap feature wall with floating wood shelves, built-in cabinetry, and a sleek linear fireplace creating the perfect blend of warmth and modern design. Large sliding glass doors lead to your covered and screened lanai overlooking the oversized backyard -- an ideal setting for entertaining, relaxing, or enjoying Florida living year-round. The expansive primary suite is truly a retreat featuring a spa-inspired ensuite bathroom complete with dual vanities, soaking tub, separate walk-in shower, and an impressive oversized walk-in closet with built-in safe. The secondary bedrooms are privately tucked away in their own wing of the home with an additional bonus/flex room in between -- perfect for a kids' retreat, TV room, homeschool space, play area, or secondary office. The possibilities truly abound. Additional highlights include wood-look tile flooring throughout main living areas, upgraded lighting, custom barn door detail, drop-zone mud bench, spacious laundry room, and abundant storage throughout. Located in award-winning Shearwater, residents enjoy resort-style amenities including pools, lazy river, waterslide, fitness center, tennis courts, walking trails, playgrounds, dog parks, zip line park, community garden, kayak launch, and access to top-rated St. Johns County schools. This is the perfect opportunity to enjoy luxury, functionality, and lifestyle all in one exceptional home.
What to check on this one
- Verify CDD bond payoff amount and remaining assessment term.
- Confirm flood zone designation and obtain elevation certificate if in AE/VE.
- Review Shearwater master-planned community HOA docs and CC&Rs for rental restrictions.
- Inspect roof condition and obtain year installed; confirm homeowner's insurance approval.
- Request HOA/CDD fee history and any pending special assessments.
Flagged from the listing itself — not an inspection, and no substitute for one. Bring these to the showing.
What this home really costs per month
Loan $432,000 at 6.75% · 30 yr
Not a loan quote. Rate, insurance, and tax are stated assumptions — a lender and an insurance agent give real numbers. Homestead exemption lowers taxes after you file.
Listing courtesy of CASTILLO REAL ESTATE JAX. Data via realMLS (Northeast Florida MLS), updated Aug 28, 2026, 12:57 PM.
IDX information is provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.