This home is in Trailmark, St. Augustine.

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Active

Active·194 days on market·Trailmark

54 Pepperpike Way

St. Augustine, FL 32092

$398,000$192/sqftEst. $2,118/moMLS# 2089662

Beds

Baths

2,077

Sq Ft

2022

Built

Garage

Pool

About this home

Trailmark

SHORT SALE LIST PRICE IS NOT BANK APPROVED YET...This Richmond Slate floorplan, known for being one of the best in the Seasons Line, features a covered front porch and a spacious great room layout with LVP flooring. The kitchen offers mocha cabinets, quartz countertops, and stainless steel appliances. The master suite includes a large walk-in closet, dual sinks, a garden tub, and a separate glass shower. Don't miss your chance to see this one!

Cost to own

Mortgage calculator

Home Price

$398,000

Down Payment: 20%

$79,600

Interest Rate: 6.49%

Loan Term

Monthly Payment

$2,010

Principal & Interest: $2,010

Est. Taxes & Insurance: $503

Estimated Total Monthly

$2,513

*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, Freddie Mac PMMS via FRED). Actual payments may vary.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.0% · 30yr$2,118

Property taxesest. at asking price, St. Johns County$530

HOAbilled annually$10

Estimated total, before insurance$2,658/mo

• Homeowners insurance is on top — in Florida it varies widely with roof age and wind/flood zone (see the Reality Check below). Budget it before you offer.
• In CDD communities (Nocatee, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• Taxes are estimated at YOUR purchase price — Florida assessments reset on sale, so the seller’s current bill is usually lower than yours will be.

Cost to own

Taxes & assessment

Last sold: $449,700 in February 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$400,546	$400,546	—
2024	$400,265	$395,145	—
2023	$359,223	$359,223	—
2022	$84,000	$71,500	—
2021	$65,000	$65,000	—
2020	$65,000	$65,000	—

Estimated taxes if purchased at asking price: ~$6,400/yr

Florida’s Save Our Homes cap limits how fast the current owner’s assessment can rise — and it resets when a home sells, so a buyer’s tax bill is typically based on the purchase price, not the seller’s bill above. Estimate uses the median effective rate across 1,595 current St. Johns listings and includes typical non-ad-valorem assessments; actual taxes depend on exemptions and taxing district. Sources: Florida DOR certified tax roll (2025), NEFMLS.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Zone X — minimal flood hazard

Flood insurance is typically not required by lenders (always optional).

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Hurricane evacuation zone F

Zone F evacuates after zones A, B, C, D, E in an approaching storm.

Roof: Shingle — year not disclosed (home built 2022)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Solar potential: ~1,804 usable sun-hours per year

A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History