Shearwater

226 TOWER CT

Saint Augustine, FL 32092
For Sale $499,000
4 bd · 3 ba · Built 2024
Bryce Spraggins — The HOA Collective
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Call or Text 904-747-1HOA

The data relating to real estate for sale on this website comes in part from the Internet Data Exchange (IDX) program of the Northeast Florida Multiple Listing Service, Inc. Real estate listings held by brokerage firms other than The HOA Collective LLC are marked with the listing broker's name and detailed information about such listings includes the name of the listing brokers. Data provided is deemed reliable but is not guaranteed.

Listing courtesy of MILITARY REALTY OF FLORIDA (ErinTSellsJax@gmail.com). Information is deemed reliable but not guaranteed. Data from realMLS (Northeast Florida MLS). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

About This Home

MOTIVATED SELLERS!! $5,000 CREDIT TOWARD CLOSING COSTS & PREPAIDS! Welcome to 226 Tower Ct, a beautifully upgraded home where smart-home convenience, thoughtfully designed spaces including an upgraded added full bathroom on the 1st floor, and exceptional outdoor living come together to create a home that is truly ready to enjoy. Located in the highly desirable Shearwater community, this home offers the perfect blend of comfort, privacy, and Florida lifestyle living. Step inside and discover a home filled with thoughtful upgrades and features designed to make everyday life easier and more enjoyable. Smart-home features provide added convenience, while the spacious owner's suite offers a peaceful retreat complete with custom closet systems that maximize organization and storage. One of the home's standout features is the incredible outdoor living space.

Estimated Monthly Payment

What Would I Pay?

Real estimated payments for this home by loan type — including this community's HOA and CDD, estimated taxes (reassessed at the purchase price) and insurance. Adjust anything below.

FHA
3.5% down · $17,465
$4,640/mo
Principal & interest$3,366
Property tax (est.)$433
Insurance (est.)$374
FHA MIP$221
HOA dues$20
CDD assessment$226
Cash to close: ~$17,465 down · MIP financed
VA
$0 down
$4,555/mo
Principal & interest$3,501
Property tax (est.)$433
Insurance (est.)$374
VA fee (financed)$0
HOA dues$20
CDD assessment$226
Cash to close: ~$0 down · VA funding fee financed
Conventional
20% down · $99,800
$3,795/mo
Principal & interest$2,742
Property tax (est.)$433
Insurance (est.)$374
PMI$0
HOA dues$20
CDD assessment$226
Cash to close: ~$99,800 down

Rate: 7.320% (Freddie Mac 30-yr avg, as of Oct 22, 2026). Taxes estimated as purchase price × 85% assessed × this property's 1.39% effective millage, plus actual HOA & CDD. Insurance is a Florida ballpark. Estimates only — your actual rate, taxes, insurance, and mortgage insurance depend on credit, lender, and underwriting. Not a loan offer or commitment.

Property Details

Home Facts

TypeSingle Family
Year built2024
SubdivisionShearwater
Parcel (RE#)010023 0880
Legal description120/41-50 SHEARWATER PHASE 3F LOT 88 OR6071/479

Valuation · 2025

Value

Just / Market
$500,000
Assessed
$424,735
Taxable
$374,013
2025 Property Tax
$5,197
Homestead Exemption
Yes $50,000 exempt

Estimated 2025 ad-valorem property tax (County taxable value × millage); excludes non-ad-valorem assessments. Homestead status per the County tax roll.

HOA Dues
$236 / Annually
CDD Assessment
$2,712 / Annually

HOA dues & CDD assessments are community-level (source: MLS). Confirm current amounts with the association or management.

History

Sale History

DatePriceDeed
2024-06-28 —

Location

Map

How far to
Open in Google Maps →

Utilities

Service Providers

⚡ Electric
Florida Power & Light (FPL)
💧 Water
St. Johns County Utility Department
🚽 Sewer
St. Johns County Utility Department

Providers serving this area — please confirm service directly with the provider.

Schools

Assigned & Nearby Schools

Nearby Private Schools

Zoned public schools from Duval County Public Schools attendance boundaries — magnet/choice options may also apply. Confirm enrollment with the school district.

Bryce Spraggins, Jacksonville Realtor and licensed Florida real estate broker

List With Me

Selling in Shearwater? List with the Realtor built for your community.

I'm Bryce Spraggins, a Jacksonville REALTOR® and licensed Florida real estate broker — and The HOA Collective works Shearwater every day. We know your covenants, your comps, and what buyers ask about your neighborhood before they ever tour it.

Got it — thank you. I'll reach out shortly at the number you gave. If it's urgent, call or text 904-747-1HOA.
See the receipts — why homeowners list with us →

Our sister company

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On the Market

Homes for Sale in Shearwater

Other active MLS listings in Shearwater.

The data relating to real estate for sale on this website comes in part from the Internet Data Exchange (IDX) program of the Northeast Florida Multiple Listing Service, Inc. Real estate listings held by brokerage firms other than The HOA Collective LLC are marked with the listing broker's name and detailed information about such listings includes the name of the listing brokers. Data provided is deemed reliable but is not guaranteed. © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

Questions & Answers

Frequently Asked

What schools serve 226 TOWER CT?
The zoned public schools for 226 TOWER CT in Shearwater are Timberlin Creek Elementary School (elementary), Switzerland Point Middle School (middle), Bartram Trail High School (high). Magnet and choice options may also apply — confirm enrollment with the district.
What are the property taxes on 226 TOWER CT?
The most recent annual property tax for 226 TOWER CT is about $5,197 (2025 tax year), with a homestead exemption applied. Any CDD assessment is billed in addition.
Does 226 TOWER CT have a CDD fee?
Yes. 226 TOWER CT is in Shearwater, a Community Development District (CDD) with an assessment of approximately $2,712 per year, billed on the annual property-tax bill in addition to HOA dues.
What is the HOA fee for 226 TOWER CT?
Homes in Shearwater have an HOA fee of about $236 per year (based on recent MLS listings).
What would the monthly payment be on 226 TOWER CT?
At about a 7.32% 30-year rate, the estimated monthly payment for 226 TOWER CT is roughly $3,795 with a conventional loan (20% down), $4,640 with FHA (3.5% down), or $4,555 with a VA loan (0% down). Each figure includes principal and interest, estimated property taxes and insurance, mortgage insurance where applicable, plus the Shearwater HOA and CDD assessment. Use the payment calculator on this page to adjust the numbers.

Property data is sourced from the St. Johns County Property Appraiser public records (view official record →). Values are appraiser estimates and may not reflect market price.