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

Benjamin Subercaseaux, Sales Associate · Florida Homes Realty & Mortgage

$494,990

198 SMOKERISE Drive, St. Augustine, FL 32092, St. Augustine, FL 32092

Shearwater

Price
$494,990
Beds / Baths
4 / 3
Living area
2,028 sqft
Year built
2026
Type
Residential
Lot
0.14 ac
Garage
2
HOA
$20/mo
CDD
Yes
Flood zone
Unknown
County
St. Johns
Days on market
8
Elementary
Timberlin Creek
Middle
Switzerland Point
High school
Bartram Trail

$244/sqft asking, vs a $205/sqft median across 2,774 closed sales in 32092 over the last 12 months — 19% above the area's closed prices. Condition and lot vary; that's what a showing is for.

Under Construction: Ready October 2026! Discover the Trevi by Lennar Homes -a spacious 4-bedroom, 3-bath design with a 2-car garage. This home includes Everything's Included features such as 42'' white cabinets with quartz countertops, Frigidaire stainless steel appliances including range, dishwasher, microwave and refrigerator, and ceramic wood plank tile flooring in the main living areas extended into dining and hallways. Additional highlights include quartz vanities, window blinds throughout, a screened lanai and a full sprinkler system. Backed up with one year builder warranty. This area offers an ideal mix of affordability, convenience, and lifestyle. Residents enjoy spacious homes in a welcoming community setting. The location provides access to good schools, nearby shopping, healthcare, and easy routes to Jacksonville International Airport. (Conditions may apply)

What to check on this one

  • Confirm exact flood zone designation and elevation certificate requirement before closing.
  • Verify CDD bond payoff amount and remaining assessment period with developer.
  • Review Lennar builder warranty details—coverage limits and claim process.
  • Obtain HOA covenants and confirm $20/mo covers all mandatory fees.
  • Request copy of builder's pre-delivery inspection checklist and walk-through process.
  • Confirm October 2026 completion date in purchase contract with penalty clauses.

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$2,568/mo
Property tax (1.1% eff., St. Johns Co.)$454/mo
Homeowners insurance (est.)$292/mo
HOA$20/mo
CDD assessment (est.)$167/mo
All-in monthly (est.)$3,501/mo

Loan $395,992 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 LENNAR REALTY INC. Data via realMLS (Northeast Florida MLS), updated Aug 24, 2026, 7:00 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.