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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie'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·363 days on market·Trailmark

520 Back Creek Drive

St. Augustine, FL 32092

$835,000$237/sqftEst. $4,625/moMLS# 2113803
5
Beds
3
Baths
3,516
Sq Ft
2022
Built
3
Garage
No
Pool

42 more homes for sale in Trailmark →Search Trailmark on the map

FEMA Zone XHOA $8/mo10,890 sqft lotSingle Family Residence2 stories

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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

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

Next steps in Trailmark

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Cost to own

True monthly cost

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

Principal & interest20% down · 7.4% · 30yr$4,625
Property taxesest. at asking price, St. Johns County$1,111
HOAbilled annually$8
Estimated total, before insurance$5,745/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$835,000
$167,000
Loan Term
Monthly Payment
$4,625
Principal & Interest: $4,625
Property taxes (est.): $1,111
Insurance (est.): $557
Estimated Total Monthly
$6,293
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-15, 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.

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.

Cost to own

Taxes & assessment

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

YearMarket valueTaxable valueChange
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.

History

Price & status history

  • Oct 17, 2025Listed$835,000

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

Closed sales

What sold nearby

Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $225/sq ft; this home is listed at $237/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
63 Braddock Court, St. Augustine, FL 32092Listed by UNITED REAL ESTATE GALLERYJul 2026$815,000$1985/44,1161690.1
237 Cedarstone Way, St. Augustine, FL 32092Listed by REAL BROKER LLCAug 2026$675,000$2414/3.52,798560.3
4878 Boat Landing Drive, St. Augustine, FL 32092Listed by ROUND TABLE REALTYSep 2026$655,000$1954/3.53,359600.8
5021 Clayton Court, St. Augustine, FL 32092Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COASTJul 2026$742,500$2434/3.53,051770.9
159 Weathered Edge Drive, St. Augustine, FL 32092Listed by PREMIER HOMES REALTY INCAug 2026$665,000$2254/42,952691
99 Weathered Edge Drive, St. Augustine, FL 32092Listed by PREMIER HOMES REALTY INCAug 2026$785,000$2136/3.53,680321

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

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

Zone sourceSt. Johns County School District attendance zones, current school year. Zones change; confirm with the district before you rely on one.
Reported elementaryPicolata Crossing
Reported middlePacetti Bay
Reported highTocoi Creek
Reported byThe listing agent, in the MLS. Where it differs from the zone, the zone wins.

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)
Community FeaturesSidewalks
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

Exterior

Lot DescriptionEasement Access
Patio / PorchCovered, Front Porch
RoofShingle

Additional Information

Date ListedOctober 17, 2025
Days on Market350
HOA Fees$100 / Annually
HOA FrequencyAnnually
Tax Amount$9,025.1
Tax Year2024
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: COMPASS FLORIDA LLC

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

The neighborhood

About Trailmark

Trailmark is a neighborhood in St. Johns County, FL (St. Johns County), ZIP 32092.

View all Trailmark homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.

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20+ years · 500+ closings · NE Florida

Curious what nearby homes sold for?

MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

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