224 Bluegrass Way

St. Augustine, FL 32092

$539,990$216/sqftEst. $2,874/moMLS# 2146969

Beds

Baths

2,500

Sq Ft

2026

Built

Garage

Pool

About this home

Trailmark

The Vilano offers 2,500 square feet of thoughtfully designed living space with 4 bedrooms, 3 full bathrooms, and a versatile loft. This popular floor plan features an open-concept layout with ceramic tile throughout the main living areas and a spacious living room that flows to a covered patio with a beautiful pond view. The kitchen is both stylish and functional, showcasing a gas cooktop, eat-in island, and upgraded cabinetry. Wooden stair spindles add an elegant touch, while the upstairs laundry room is conveniently located near the bedrooms. The private primary suite offers a relaxing retreat with an en-suite bath. With spacious living areas, designer details, and a desirable pond view, the Vilano is a home you do not want to miss.

Cost to own

Mortgage calculator

Home Price

$539,990

Down Payment: 20%

$107,998

Interest Rate: 6.49%

Loan Term

Monthly Payment

$2,728

Principal & Interest: $2,728

Est. Taxes & Insurance: $682

Estimated Total Monthly

$3,410

*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, 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$2,874

Property taxesest. at asking price, St. Johns County$719

HOAbilled annually$8

Estimated total, before insurance$3,601/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

Year	Market value	Taxable value	Change
2025	$100,000	$100,000	—

2025 property taxes (current owner): $3,822/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.