This home is in Reverie At Trailmark, St. Augustine.

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Active

Active·136 days on market·Reverie At Trailmark

408 Rustic Mill Drive

St. Augustine, FL 32092

$549,900$227/sqftEst. $2,927/moMLS# 2130258

Beds

Baths

2,422

Sq Ft

2022

Built

Garage

Pool

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

Mortgage calculator

Home Price

$549,900

Down Payment: 20%

$109,980

Interest Rate: 6.55%

Loan Term

Monthly Payment

$2,795

Principal & Interest: $2,795

Est. Taxes & Insurance: $699

Estimated Total Monthly

$3,494

*Estimates based on 30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, 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$2,927

Property taxesest. at asking price, St. Johns County$732

HOAbilled annually$23

Estimated total, before insurance$3,682/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: $527,000 in October 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
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: ~$8,800/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: ~1,792 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

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

Price & status history

Mar 2, 2026Listed$549,900

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

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

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Gated CommunityYes

55+ CommunityYes

School Information

ElementaryPicolata Crossing

MiddlePacetti Bay

HighTocoi Creek

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

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)