This home is in Trailmark, St. Augustine.
Active Under Contract·48 days on market·Trailmark
23 Pepperpike Way
St. Augustine, FL 32092
About this home
Trailmark
Welcome to this beautifully upgraded ranch-style model home offering 4 bedrooms, 3 bathrooms, and peaceful pond views from a spacious corner lot. Light, bright, and thoughtfully designed for modern comfort, this home offers the perfect blend of serenity, functionality, and a warm ''feels like home'' atmosphere. From the inviting front porch to the sought-after open floor plan, every space is designed with comfortable living in mind. At the front of the home are three generous bedrooms, a full bath, and a convenient laundry room. The kitchen features quartz countertops, sleek backsplash, stainless steel appliances, an under-mount stainless sink, center island, cozy breakfast nook, and a walk-in pantry with a charming barn door. The private owner's suite is a relaxing retreat with an oversized walk-in closet, double vanities, frameless glass shower, and garden tub. Enjoy peaceful mornings or evenings on the covered patio overlooking the serene community pond. Originally built as a model
Cost to own
Mortgage calculator
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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: $500,000 in June 2023(county public record, not MLS data)
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $404,211 | $353,489 | — |
| 2024 | $404,122 | $354,122 | — |
| 2023 | $362,760 | $328,964 | — |
| 2022 | $342,504 | $299,058 | — |
| 2021 | $271,871 | $271,871 | — |
| 2020 | $65,000 | $65,000 | — |
2025 property taxes (current owner): $7,939/yr
Estimated taxes if purchased at asking price: ~$7,000/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 2020)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,772 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 homeInformational 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
- Jul 15, 2026Active Under Contract$439,900
- May 28, 2026Listed$439,900
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
The neighborhood
About Trailmark
Trailmark is a neighborhood in St. Johns County, FL (St. Johns County), ZIP 32092.
View all Trailmark homes for sale →Listing Courtesy of: REAL BROKER LLC
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Krista Fracke
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