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

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Active

Active·85 days on market·Reverie At Trailmark

813 Rustic Mill Drive

St. Augustine, FL 32092

$400,000$211/sqftEst. $2,129/moMLS# 2141409

Beds

Baths

1,898

Sq Ft

2022

Built

Garage

Pool

About this home

Reverie At Trailmark

Welcome to Reverie at Trailmark, a vibrant 55+ Community. Offering 3% concession towards rate buydown. We are pleased to present this Fairfield model built with the Rosemary Beach Coastal elevation by Dream Finders Homes. The owner spared no expense with the optional upgrades. The Great Room boasts tray ceilings and additional built in cabinetry, seamlessly matching the kitchen and backsplash. The Flex Room has been enclosed into the perfect office/den, and the standard doors have been replaced with beautiful glass doors. The Master Suite's walk-in closet was built with a pass through to the laundry. Currently, the only Fairfield model with a LAKEFRONT view and breathtaking sunsets over the water. Sliding glass doors lead to the Lanai with screened enclosure. Built during phase one of the community this home is just steps away from the Lakeside Clubhouse, Resort-Style Pool and Spa, Fitness Center, Six Tournament-Class Pickleball Courts, Bocce Ball Courts, Dog Parks, and Bier Garten

Cost to own

Mortgage calculator

Home Price

$400,000

Down Payment: 20%

$80,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$2,033

Principal & Interest: $2,033

Est. Taxes & Insurance: $508

Estimated Total Monthly

$2,541

*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$2,129

Property taxesest. at asking price, St. Johns County$532

HOAbilled annually$32

Estimated total, before insurance$2,693/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: $544,500 in March 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$417,905	$182,845	—
2024	$422,453	$176,984	—
2023	$381,802	$381,802	—
2022	$72,800	$72,800	—
2021	$25,000	$25,000	—

2025 property taxes (current owner): $7,669/yr

Estimated taxes if purchased at asking price: ~$6,400/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

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

Apr 22, 2026Listed$400,000

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

Features

Price$400,000

Price / Sq Ft$211

Bedrooms2

Bathrooms2.00

Full Baths2

Square Footage1,898

Total Structure Area2,552 sq ft

Acres0.18 acres

Year Built2022

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontYes

Gated CommunityYes

55+ CommunityYes

Direction FacesEast

School Information

ElementaryPicolata Crossing

MiddlePacetti Bay

HighTocoi Creek

Community Information

Address813 Rustic Mill Drive, St. Augustine, FL 32092

Area309-World Golf Village Area-West

SubdivisionReverie At Trailmark

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32092

Lot Size7,840.8 sq ft

Parcel Number0290021400

ZoningSingle Family

Amenities

AmenitiesPool, Basketball Court, Clubhouse, Dog Park, Fitness Center, Gated, Jogging Path, Management - Full Time, Pickleball, Spa/Hot Tub

UtilitiesCable Available, Electricity Connected, Natural Gas Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

Green / EnergyDoors, Windows

ParkingAttached, Garage, Garage Door Opener

ViewLake, Water

Waterfront TypeLake Front

Interior

Interior FeaturesCeiling Fan(s), Entrance Foyer, Kitchen Island, Pantry, Primary Bathroom - Shower No Tub, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Gas Range, Gas Water Heater, Microwave, Tankless Water Heater

HeatingCentral, Natural Gas

CoolingCentral Air

FlooringTile, Vinyl

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Washer Hookup

SecurityCarbon Monoxide Detector(s), Smoke Detector(s)