Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in Trailmark, St. Augustine — a home near Tocoi Creek High School.

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Active

Active·315 days on market·Trailmark

520 Back Creek Drive

St. Augustine, FL 32092

$835,000$237/sqftEst. $4,293/moMLS# 2113803

Beds

Baths

3,516

Sq Ft

2022

Built

Garage

Pool

About this home

Trailmark

$7,000 incentive offered to buyers! See remarks. A beautiful Mastercraft home offering exceptional quality and abundant space in the highly sought-after Trailmark. The 5BD/3BA residence features premium wide-plank hardwood floors, open-concept layout, and thoughtfully selected finishes throughout. Unlike many new builds in the neighborhood, this home showcases a higher level of construction and craftsmanship. Built with superior materials, enhanced energy efficiency, and attention to detail. Solid construction, upgraded cabinetry, and premium appliances ensure lasting quality and design. Situated on an oversized lot, there's ample room to create your dream outdoor retreat or add a pool. The home's energy efficient design lowers utility and insurance costs-an increasingly valuable advantage! Trailmark is known for its seamless integration with nature. Access to scenic trails and Six Mile Creek. Enjoy resort-style amenities and community within top-rated St. Johns County school district

Cost to own

Mortgage calculator

Home Price

$835,000

Down Payment: 20%

$167,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$4,293

Principal & Interest: $4,293

Property taxes (est.): $1,111

Insurance (est.): $557

Estimated Total Monthly

$5,960

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, Freddie Mac PMMS via FRED). Taxes use the county effective rate; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs 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 · 6.66% · 30yr$4,293

Property taxesest. at asking price, St. Johns County$1,111

HOAbilled annually$8

Estimated total, before insurance$5,412/mo

Seller’s 2024 tax billper the MLS — includes any CDD / assessments$9,025/yr · $752/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, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
• 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 (that applies to the reference bill above too).

Cost to own

Taxes & assessment

Last sold: $759,300 in July 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$643,254	$414,134	—
2024	$643,086	$401,755	—
2023	$596,544	$388,597	—
2022	$134,400	$134,400	—

2024 property taxes (current owner): $9,025/yr

Estimated taxes if purchased at asking price: ~$13,300/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 A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

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: ~1,755 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

As of July 2026, this Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields at this property’s coordinates. None of it is a determination, survey, or inspection, and public records can lag or conflict with on-site conditions. Independently verify anything you’ll rely on: the flood zone at msc.fema.gov and floridadisaster.org/knowyourzone (and confirm flood-insurance cost with your lender and a licensed insurance agent), and the sewer/septic, roof, and utilities with a professional inspection.

History

Price & status history

Oct 17, 2025Listed$835,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$835,000

Price / Sq Ft$237

Bedrooms5

Bathrooms3.00

Full Baths3

Square Footage3,516

Acres0.25 acres

Year Built2022

TypeResidential

Sub-TypeSingle Family Residence

StyleContemporary

Property ConditionUpdated/Remodeled

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontNo

School Information

ElementaryPicolata Crossing

MiddlePacetti Bay

HighTocoi Creek

Community Information

Address520 Back Creek Drive, St. Augustine, FL 32092

Area309-World Golf Village Area-West

SubdivisionTrailmark

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32092

Lot Size10,890 sq ft

Parcel Number0290118810

Amenities

AmenitiesPool, Barbecue, Basketball Court, Clubhouse, Fitness Center, Jogging Path, Park, Playground, Tennis Court(s)

UtilitiesElectricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

Green / EnergyInsulation, Lighting, Thermostat

ParkingGarage, On Street

ViewPond

Interior

Interior FeaturesBreakfast Nook, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Guest Suite, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Oven, Microwave, Refrigerator, Washer

HeatingCentral

CoolingCentral Air

FlooringWood

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, Lower Level, Washer Hookup