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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 home near Tocoi Creek High School.

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Sold

Sold·Closed Aug 31, 2026·147 days on market·Recent sales in Reverie At Trailmark·Reverie At Trailmark

408 Rustic Mill Drive

St. Augustine, FL 32092

$535,000sold priceListed at $549,900 · 97.3% of asking$221/sqftMLS# 2130258
3
Beds
3.5
Baths
2,422
Sq Ft
2022
Built
2
Garage
No
Pool

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

FEMA Zone XHOA $23/mo8,276 sqft lotSingle Family Residence1 story

About this home

Reverie At Trailmark

Welcome home to this thoughtfully designed Craftsman residence in the highly desirable active adult 55+ community of Reverie at TrailMark. Offering 3 bedrooms and 3.5 bathrooms, each bedroom features its own private en-suite-ideal for hosting guests. The open-concept floor plan is enhanced by wood-like LVP & plantation shutters throughout, creating a bright and elegant atmosphere for everyday living & entertaining. The gourmet kitchen boasts an extra-large island, stainless steel appliances, and abundant storage. Dual owner's suites offer walk in closets and relaxing en suites. Step outside to the covered & extended, pavered lanai to enjoy peaceful mornings or relaxing evenings. Additional upgrades include wood trim accents, fenced in yard, and a new Generac generator for peace of mind. The 2.5 car garage provides plenty of room for 2 cars & a golf cart, workshop, or extra storage. gated community; resort style amenities-clubhouse, pools, fitness center, dog parks & more

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$2,963
Property taxesest. at asking price, St. Johns County$712
HOAbilled annually$23
Estimated total, before insurance$3,699/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,501/yr · $458/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

$535,000
$107,000
Loan Term
Monthly Payment
$2,963
Principal & Interest: $2,963
Property taxes (est.): $712
Insurance (est.): $357
Estimated Total Monthly
$4,032
*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 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: ~1,792 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: $527,000 in October 2022(county public record, not MLS data)

YearMarket valueTaxable valueChange
2025$451,003$388,674—
2024$456,663$377,013—
2023$414,576$364,576—
2022$72,800$72,800—
2021$25,000$25,000—

2025 property taxes (current owner): $5,501/yr

Estimated taxes if purchased at asking price: ~$8,500/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

  • Sep 1, 2026Closed$549,900
  • Aug 3, 2026Pending$549,900
  • Jul 28, 2026Active Under Contract$549,900
  • Mar 2, 2026Listed$549,900

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 $209/sq ft; this home is listed at $227/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
249 Brickstone Trace, St. Augustine, FL 32092Listed by OLYMPUS EXECUTIVE REALTY, INCSep 2026$499,000$2083/2.52,3953640.4
23 Winterfield Place, St. Augustine, FL 32092Listed by OLYMPUS EXECUTIVE REALTY, INCAug 2026$526,592$2382/2.52,216310.4
92 Patina Place, St. Augustine, FL 32092Listed by REALTY ONE GROUP ELEVATESep 2026$439,000$1874/32,345360.5
159 Weathered Edge Drive, St. Augustine, FL 32092Listed by PREMIER HOMES REALTY INCAug 2026$665,000$2254/42,952690.5
105 Bloomfield Way, St. Augustine, FL 32092Listed by REAL BROKER LLCOct 2026$474,900$2094/3.52,27040.7
523 White Rabbit Run, St. Augustine, FL 32092Listed by AXEN REALTY LLCSep 2026$478,997$2023/2.52,3753560.7

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$549,900
Price / Sq Ft$227
Bedrooms3
Bathrooms3.50
Full Baths3
Half Baths1
Square Footage2,422
Acres0.19 acres
Year Built2022
TypeResidential
Sub-TypeSingle Family Residence
StyleCraftsman
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontNo
Gated CommunityYes
55+ CommunityYes

School Information

Community Information

Address408 Rustic Mill Drive, St. Augustine, FL 32092
Area309-World Golf Village Area-West
SubdivisionReverie At Trailmark
CitySt. Augustine
CountySt. Johns
StateFL
Zip Code32092
Lot Size8,276.4 sq ft
Parcel Number0290020410
ZoningResidential

Amenities

AmenitiesPool, Other, Basketball Court, Clubhouse, Dog Park, Fitness Center, Gated, Jogging Path, Management- On Site, Park, Pickleball, Playground
Community FeaturesSidewalks, Suburban, Gated, Curbs
UtilitiesElectricity Connected, Natural Gas Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
Green / EnergyWater Heater
ParkingAttached, Garage, Garage Door Opener

Interior

Interior FeaturesCeiling Fan(s), Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, ENERGY STAR Qualified Dishwasher, ENERGY STAR Qualified Refrigerator, Gas Cooktop, Gas Oven, Microwave, Tankless Water Heater
HeatingCentral
CoolingCentral Air
FlooringTile
# of Stories1
LevelsOne
LaundryWasher Hookup
SecuritySmoke Detector(s)

Exterior

Lot DescriptionSprinklers In Front, Sprinklers In Rear
Patio / PorchCovered, Front Porch, Rear Porch, Side Porch
FencingFenced, Back Yard, Wrought Iron, Other
RoofShingle
ConstructionComposition Siding
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedMarch 2, 2026
Days on Market147
HOA Fees$280 / Annually
HOA FrequencyAnnually
HOA NameReal Manage
Tax Amount$5,501.01
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityYes
New ConstructionNo

Listing Courtesy of: REAL BROKER 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 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 Aug 31, 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.

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20+ years · 500+ closings · NE Florida

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