Ask Ben.
Ask Ben.
(904) 595-8967

Benjamin Subercaseaux, Sales Associate · Florida Homes Realty & Mortgage

$460,000

77 SADLER Court, St. Augustine, FL 32092

Shearwater

Price
$460,000
Beds / Baths
4 / 3
Living area
2,027 sqft
Year built
2021
Type
Residential
Lot
0.16 ac
Garage
2
HOA
$20/mo
CDD
Yes
Flood zone
Unknown
County
St. Johns
Days on market
81
Elementary
Trout Creek Academy
Middle
Trout Creek Academy
High school
Beachside

$227/sqft asking, vs a $205/sqft median across 2,774 closed sales in 32092 over the last 12 months — 11% above the area's closed prices. Condition and lot vary; that's what a showing is for.

This beautiful 4-bedroom, 3-bath home, located in the Shearwater community, offers the perfect combination of comfort, style, and exceptional amenities. An inviting covered front porch welcomes you inside, where you'll find a thoughtfully designed floor plan featuring tile flooring throughout the main living areas, and new carpeting. The heart of the home is the spacious kitchen, complete with stainless steel appliances, a large center island, ample cabinetry, and plenty of space for gathering. The open-concept design flows seamlessly into the living and dining areas, creating an ideal setting for both everyday living and entertaining. The private primary suite provides a relaxing retreat with generous walk-in closets, a spa-inspired bath featuring a soaking tub, and a separate walk-in shower. Three additional bedrooms and two full bathrooms offer great flexibility. Additional features include a whole-house water softener, a dedicated laundry room and 2 car garage. Step outside to the screened lanai, the perfect spot to enjoy Florida's year-round outdoor lifestyle. Shearwater offers an unmatched resort-style experience with a lazy river, waterslide pool, lap pool, fitness center, tennis courts, sports fields, playgrounds, scenic trails, kayak launch, and the popular Outpost gathering area featuring indoor space and an outdoor fire pit. This is more than just a home--it's a lifestyle.

What to check on this one

  • Confirm flood zone designation and elevation certificate requirement with county.
  • Verify CDD bond payoff amount and remaining assessment term.
  • Review Shearwater HOA documents, including amenity fees and rental restrictions.
  • Confirm roof warranty coverage and remaining manufacturer protection period.
  • Request whole-house water softener maintenance records and warranty details.

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

Principal & interest$2,387/mo
Property tax (1.1% eff., St. Johns Co.)$422/mo
Homeowners insurance (est.)$292/mo
HOA$20/mo
CDD assessment (est.)$167/mo
All-in monthly (est.)$3,288/mo

Loan $368,000 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 EXP REALTY LLC. Data via realMLS (Northeast Florida MLS), updated Jul 10, 2026, 7:59 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.