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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 Reverie At Trailmark, St. Augustine — a gated community home in St. Johns County.

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Sold

Sold·Closed Jul 1, 2026·140 days on market·Recent sales in Reverie At Trailmark·Reverie At Trailmark

996 Rustic Mill Drive

St. Augustine, FL 32092

$349,000sold priceListed at $349,000 · 100% of asking$221/sqftMLS# 2125451
2
Beds
2
Baths
1,581
Sq Ft
2022
Built
2
Garage
No
Pool

37 more homes for sale in Reverie At Trailmark →Search Reverie At Trailmark on the map

HOA $15/mo11,326 sqft lotWaterfrontSingle Family Residence1 story

About this home

Reverie At Trailmark

Welcome to easy, laid-back Florida living in the gated 55+ community of Reverie at Trailmark. Well-positioned for privacy on an oversized lot with mature landscaping and a long, luxurious paver driveway, you can start your mornings on the inviting front porch, then enjoy evenings on the covered paver lanai watching the sun set over the water. The home is bright and thoughtfully designed, featuring 10' ceilings, 8' doors, tray ceilings, and a beautifully connected open-concept living, dining and kitchen area with quartz countertops, a gas range, and a generous center island. The spacious primary suite overlooks the water, and includes a generous ensuite bath and walk-in closet. The second bedroom and bath offer privacy and comfort on the opposite side of the home. Glass French doors enclose the bonus room; a versatile space for a home office, hobby area, or guest retreat.

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$1,933
Property taxesest. at asking price, St. Johns County$464
HOAbilled annually$15
Estimated total, before insurance$2,413/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$7,876/yr · $656/mo

This bill runs well above the county-average estimate — usually the sign of a CDD or special assessment on this home. We confirm the exact line (and whether a bond was ever prepaid) before you offer.

  • • 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

$349,000
$69,800
Loan Term
Monthly Payment
$1,933
Principal & Interest: $1,933
Property taxes (est.): $464
Insurance (est.): $233
Estimated Total Monthly
$2,630
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

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

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

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: ~1,712 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

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.

Sun & Light

West-facing backyard — the sunset lot

The listing reports the home facing east, which puts the backyard on the west side. Today at this address: sunrise 7:25 AM, sunset 7:00 PM.

  • Sunsets happen over your own backyard — and in summer the rear takes the full afternoon sun, so the lanai runs hottest of any orientation from about 3pm on.
  • A pool back here is the warmest in town and glitters in the evening; expect afternoon glare on west-facing glass and real value in lanai screening or shade trees.
  • Morning coffee happens in shade; the front of the home takes the sunrise.

Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.

Cost to own

Taxes & assessment

Last sold: $333,800 in June 2022(county public record, not MLS data)

YearMarket valueTaxable valueChange
2025$329,540$212,817—
2024$322,733$204,703—
2023$295,828$195,828—
2022$72,800$72,800—
2021$25,000$25,000—

2025 property taxes (current owner): $7,876/yr

Estimated taxes if purchased at asking price: ~$5,600/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.

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 $204/sq ft; this home is listed at $221/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
813 Rustic Mill Drive, St. Augustine, FL 32092Listed by COASTAL CHARM REALTY, LLCAug 2026$385,000$2032/21,898920.1
1125 Rustic Mill Drive, St. Augustine, FL 32092Listed by REAL BROKER LLCJul 2026$291,000$1942/21,4991350.1
120 Sundance Drive, St. Augustine, FL 32092Listed by OLYMPUS EXECUTIVE REALTY, INCSep 2026$335,000$2122/21,58100.3
189 Bees Knees Way, St. Augustine, FL 32092Listed by OLYMPUS EXECUTIVE REALTY, INCJun 2026$329,990$2092/21,58100.4
341 Applejack Drive, St. Augustine, FL 32092Listed by OLYMPUS EXECUTIVE REALTY, INCJul 2026$386,990$2042/21,8983330.5
395 Applejack Drive, St. Augustine, FL 32092Listed by OLYMPUS EXECUTIVE REALTY, INCJun 2026$354,000$1972/21,793870.6

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$349,000
Price / Sq Ft$221
Bedrooms2
Bathrooms2.00
Full Baths2
Square Footage1,581
Acres0.26 acres
Year Built2022
TypeResidential
Sub-TypeSingle Family Residence
StyleCraftsman
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontYes
Gated CommunityYes
55+ CommunityYes
Direction FacesEast

Community Information

Address996 Rustic Mill Drive, St. Augustine, FL 32092
Area309-World Golf Village Area-West
SubdivisionReverie At Trailmark
CitySt. Augustine
CountySt. Johns
StateFL
Zip Code32092
Lot Size11,325.6 sq ft
Parcel Number0290020850
ZoningResidential

Amenities

AmenitiesPool, Barbecue, Basketball Court, Boat Launch, Clubhouse, Dog Park, Fitness Center, Gated, Jogging Path, Park, Pickleball, Playground, Spa/Hot Tub, Tennis Court(s), Water
Community FeaturesSidewalks, Fishing, Suburban, Street Lights, Gated, Curbs
UtilitiesCable Available, Electricity Connected, Natural Gas Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage, Garage Door Opener
ViewPond, Water
Waterfront TypePond

Interior

Interior FeaturesEat-in Kitchen, Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Primary Downstairs, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Dryer, Gas Cooktop, Gas Oven, Gas Range, Gas Water Heater, Microwave, Refrigerator, Washer
HeatingCentral, Natural Gas
CoolingCentral Air
FlooringTile, Vinyl
# of Stories1
LevelsOne
LaundryIn Unit
SecurityCarbon Monoxide Detector(s), Security Gate, Smoke Detector(s)

Exterior

Lot DescriptionSprinklers In Front, Sprinklers In Rear
Patio / PorchCovered, Front Porch, Rear Porch
RoofShingle
ConstructionFiber Cement
Road SurfaceAsphalt
Road FrontagePrivate Road

Additional Information

Date ListedJanuary 16, 2026
Days on Market140
HOA Fees$180 / Annually
HOA FrequencyAnnually
HOA NameReverie Homeowners Association
HOA Fee IncludesMaintenance Grounds
Tax Amount$7,876.09
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityYes
New ConstructionNo

Listing Courtesy of: BERKSHIRE HATHAWAY HOMESERVICES, FLORIDA NETWORK REALTY

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 Reverie At Trailmark

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

View all Reverie At Trailmark homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Jul 1, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.

Text Krista about this saleHomes for sale nearby →

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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