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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in Trailmark, St. Augustine.

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Pending

Pending·5 days on market·Trailmark

92 Patina Place

St. Augustine, FL 32092

$439,000$187/sqftEst. $2,257/moMLS# 2147580
4
Beds
3
Baths
2,345
Sq Ft
2021
Built
2
Garage
No
Pool

About this home

Trailmark

INVESTORS ONLY! Potential investment opportunity in Trailmark. Tenant in place with 1.5-year lease. Begin earning immediately.This beautifully upgraded Dream Finders Mabelton floorplan offers luxury finishes, thoughtful custom details, and an incredible location within one of St. Johns County's most sought-after master-planned communities. Inside, you'll find quartz countertops, upgraded cabinetry with soft-close drawers and cabinets, a porcelain farmhouse sink, pot filler, custom shiplap accents, designer lighting, luxury vinyl plank flooring, custom built-ins, and an impressive entertainment wall with fireplace. Additional upgrades include a smart lock system, water softener and filtration system, gutters, fence, garage storage, and more. Trailmark residents enjoy resort-style amenities, kayak launch access, fitness center, trails, sports courts, dog park, and community events throughout the year.

Cost to own

Mortgage calculator

$439,000
$87,800
Loan Term
Monthly Payment
$2,257
Principal & Interest: $2,257
Property taxes (est.): $584
Insurance (est.): $293
Estimated Total Monthly
$3,134
*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$2,257
Property taxesest. at asking price, St. Johns County$584
HOAbilled annually$8
Estimated total, before insurance$2,849/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$7,681/yr · $640/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, 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

YearMarket valueTaxable valueChange
2025$372,835$372,835—
2024$399,031$331,386—
2023$370,278$320,278—
2022$336,826$336,826—
2021$60,000$60,000—
2020$50,000$50,000—

2025 property taxes (current owner): $7,681/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: material not specified — year not disclosed (home built 2021)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Solar potential: ~1,747 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

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

  • Aug 24, 2026Pending$439,000
  • Jul 7, 2026Withdrawn$439,000
  • May 28, 2026Listed$439,000

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

Features

Price$439,000
Price / Sq Ft$187
Bedrooms4
Bathrooms3.00
Full Baths3
Square Footage2,345
Acres0.12 acres
Year Built2021
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
StatusPending
# of Garages2
Has PoolNo
Is WaterfrontNo

Community Information

Address92 Patina Place, St. Augustine, FL 32092
Area309-World Golf Village Area-West
SubdivisionTrailmark
CitySt. Augustine
CountySt. Johns
StateFL
Zip Code32092
Lot Size5,227.2 sq ft
Parcel Number0290113100

Amenities

AmenitiesBasketball Court, Clubhouse, Fitness Center, Jogging Path, Playground, Tennis Court(s), Trash
UtilitiesNatural Gas Available
SewerPublic Sewer
Water SourcePublic
ParkingAdditional Parking, On Street

Interior

Interior FeaturesBreakfast Bar, Primary Bathroom - Shower No Tub, Walk-In Closet(s)
AppliancesDisposal, Dryer, Gas Range, Gas Water Heater, Ice Maker, Microwave, Refrigerator, Tankless Water Heater, Washer, Water Softener Owned
HeatingCentral
CoolingCentral Air
FlooringVinyl
FireplaceYes
Fireplace FeaturesGas
# of Stories2
LevelsTwo

Exterior

Lot DescriptionSprinklers In Front, Sprinklers In Rear
FencingBack Yard
ConstructionFrame
Road SurfaceAsphalt

Additional Information

Date ListedAugust 25, 2026
Days on Market36
HOA Fees$100 / Annually
HOA FrequencyAnnually
Tax Amount$7,680.86
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

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: REALTY ONE GROUP ELEVATE

Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).

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Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.

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20+ years · 500+ closings · NE Florida

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