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

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Active

Active·131 days on market·Reverie At Trailmark

308 Rustic Mill Drive

St. Augustine, FL 32092

$579,900$226/sqftEst. $2,981/moMLS# 2141060

Beds

Baths

2,564

Sq Ft

2022

Built

Garage

Pool

About this home

Reverie At Trailmark

Discover the rare Next Gen floorplan in Reverie at TrailMark! This single-story Dream Finders home blends comfort, flexibility, and style with a private multigenerational suite featuring its own entrance, living area, and kitchenette -- ideal for guests, caregivers, or long-term stays. Thoughtfully designed for low-maintenance living, it offers 2 bedrooms + flex room, 2.5 baths, and a 3-car garage with side-entry bay and Shark-coated floor. The open-concept layout flows to a pavered patio with hot tub, Blackstone grill, and wet-bar cabinet -- perfect for entertaining or relaxing. Enjoy the 55+ active-adult lifestyle with clubhouse, pool, fitness center, and walking trails just steps away. Built 2022 -- turnkey, pristine, and ready to welcome you home

Cost to own

Mortgage calculator

Home Price

$579,900

Down Payment: 20%

$115,980

Interest Rate: 6.66%

Loan Term

Monthly Payment

$2,981

Principal & Interest: $2,981

Property taxes (est.): $772

Insurance (est.): $387

Estimated Total Monthly

$4,140

*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$2,981

Property taxesest. at asking price, St. Johns County$772

HOAbilled annually$23

Estimated total, before insurance$3,776/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$11,033/yr · $919/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).

Cost to own

Taxes & assessment

Last sold: $526,700 in November 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$472,116	$410,333	—
2024	$473,949	$394,075	—
2023	$431,141	$381,141	—
2022	$72,800	$72,800	—
2021	$25,000	$25,000	—

2025 property taxes (current owner): $11,033/yr

Estimated taxes if purchased at asking price: ~$9,300/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 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.

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

Apr 21, 2026Listed$579,900

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

Features

Price$579,900

Price / Sq Ft$226

Bedrooms2

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage2,564

Acres0.17 acres

Year Built2022

TypeResidential

Sub-TypeSingle Family Residence

StyleCraftsman, Multi Generational

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontNo

Gated CommunityYes

55+ CommunityYes

Direction FacesSoutheast

School Information

ElementaryPicolata Crossing

MiddlePacetti Bay

HighTocoi Creek

Community Information

Address308 Rustic Mill Drive, St. Augustine, FL 32092

Area309-World Golf Village Area-West

SubdivisionReverie At Trailmark

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32092

Lot Size7,405.2 sq ft

Parcel Number0290020320

ZoningResidential

Amenities

AmenitiesPool, Barbecue, Basketball Court, Boat Launch, Clubhouse, Dog Park, Fitness Center, Jogging Path, Pickleball, Playground, Spa/Hot Tub, Tennis Court(s), Water

UtilitiesCable Connected, Electricity Connected, Natural Gas Connected, Sewer Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage

Interior

Interior FeaturesEntrance Foyer, In-Law Floorplan, Kitchen Island, Open Floorplan, Split Bedrooms, Walk-In Closet(s)

AppliancesENERGY STAR Qualified Dishwasher, ENERGY STAR Qualified Refrigerator, Gas Cooktop, Gas Oven, Gas Range, Gas Water Heater, Microwave, Refrigerator, Water Softener Owned

HeatingCentral, Natural Gas

CoolingCentral Air

# of Stories1

LevelsOne

Spa FeaturesAbove Ground