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

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Pending

Pending·62 days on market·Reverie At Trailmark

443 Rustic Mill Drive

St. Augustine, FL 32092

$539,000$244/sqftEst. $2,869/moMLS# 2144446

Beds

Baths

2,210

Sq Ft

2022

Built

Garage

Pool

About this home

Reverie At Trailmark

Perfectly positioned on a premium lakefront lot in an established phase of Reverie at Trailmark, this impeccably upgraded Mayweather plan offers a rare opportunity to enjoy a home truly better than new construction - with luxury finishes, thoughtful design, and move-in-ready convenience already in place. From the gracious front porch and paver driveway to the breathtaking backyard oasis and summer kitchen, every detail of this home was carefully selected to elevate both everyday living and entertaining. Inside, you'll find elegant tray ceilings, 8-foot doors, plantation shutters, upgraded flooring, designer lighting, and a stunning open-concept layout centered around an oversized great room with surround sound and a dramatic 12-foot stacking slider leading to the screened lanai. The gourmet kitchen is a showpiece, featuring custom cabinetry, under-cabinet lighting, gas cooktop, expansive island, walk-in pantry, abundant windows, and a bright café dining space filled with natural light.

Cost to own

Mortgage calculator

Home Price

$539,000

Down Payment: 20%

$107,800

Interest Rate: 6.55%

Loan Term

Monthly Payment

$2,740

Principal & Interest: $2,740

Est. Taxes & Insurance: $685

Estimated Total Monthly

$3,425

*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$2,869

Property taxesest. at asking price, St. Johns County$717

HOAbilled annually$23

Estimated total, before insurance$3,609/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: $458,800 in May 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$384,247	$319,666	—
2024	$388,594	$309,949	—
2023	$349,465	$299,465	—
2022	$72,800	$72,800	—
2021	$25,000	$25,000	—

2025 property taxes (current owner): $9,811/yr

Estimated taxes if purchased at asking price: ~$8,600/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.

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: ~1,792 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.

Features

Price$539,000

Price / Sq Ft$244

Bedrooms2

Bathrooms2.00

Full Baths2

Square Footage2,210

Acres0.30 acres

Year Built2022

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusPending

# of Garages3

Has PoolNo

Is WaterfrontYes

Gated CommunityYes

55+ CommunityYes

Direction FacesWest

Community Information

Address443 Rustic Mill Drive, St. Augustine, FL 32092

Area309-World Golf Village Area-West

SubdivisionReverie At Trailmark

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32092

Lot Size13,068 sq ft

Parcel Number0290021710

Amenities

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

UtilitiesElectricity Connected, Natural Gas Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Garage Door Opener

ViewPond

Waterfront TypePond