This home is in Trailmark, St. Johns.

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Active

Active·45 days on market·Trailmark

184 Wineberry Lane

St. Johns, FL 32092

$399,000$214/sqftEst. $2,034/moMLS# 2149567

Beds

Baths

1,864

Sq Ft

2022

Built

Garage

Pool

About this home

Trailmark

Nestled on a premium lot with neighboring homes on only one side for added privacy, this beautifully maintained 3-bedroom, 2-bath home in sought-after TrailMark offers the perfect combination of comfort, space, and community. Filled with natural light, the open and spacious floor plan is designed for both everyday living and entertaining. The kitchen serves as the heart of the home, featuring a large island with breakfast bar seating, stainless steel appliances, and ample storage while overlooking the dining area and spacious living room for effortless gathering and connection. The primary suite offers a peaceful retreat with walk-in closets and an ensuite bath featuring a dual-sink vanity and walk-in shower. Two additional bedrooms provide flexibility for guests, a home office, or hobbies and share a full bathroom.

Cost to own

Mortgage calculator

Home Price

$399,000

Down Payment: 20%

$79,800

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,034

Principal & Interest: $2,034

Property taxes (est.): $531

Insurance (est.): $266

Estimated Total Monthly

$2,831

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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 · 6.58% · 30yr$2,034

Property taxesest. at asking price, St. Johns County$531

HOAbilled monthly$116

Estimated total, before insurance$2,681/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$7,465/yr · $622/mo

This bill runs well above the county-average estimate — usually the sign of a CDD or special assessment on this home. We confirm the exact line (and whether a bond was ever prepaid) before you offer.

• 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

Last sold: $401,000 in October 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$354,185	$354,185	—
2024	$362,932	$362,932	—
2023	$351,618	$351,618	—
2022	$44,800	$44,800	—

2025 property taxes (current owner): $7,465/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 AE — high-risk flood zone (Special Flood Hazard Area)

Lenders require flood insurance for financed purchases here.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Hurricane evacuation zone A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

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: ~1,777 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

Jun 9, 2026Listed$399,000

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

Features

Price$399,000

Price / Sq Ft$214

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,864

Acres0.18 acres

Year Built2022

TypeResidential

Sub-TypeSingle Family Residence

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

School Information

ElementaryPicolata Crossing

MiddlePacetti Bay

HighTocoi Creek

Community Information

Address184 Wineberry Lane, St. Johns, FL 32092

Area309-World Golf Village Area-West

SubdivisionTrailmark

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32092

Lot Size7,840.8 sq ft

Parcel Number0290121480

Amenities

AmenitiesPool, Clubhouse, Playground

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAdditional Parking, Attached, Garage

ViewTrees/Woods

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Kitchen Island, Open Floorplan, Primary Bathroom - Shower No Tub, Primary Downstairs, Walk-In Closet(s)

AppliancesDishwasher, Dryer, Electric Range, Refrigerator, Washer

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile

# of Stories1

LevelsOne

SecuritySmoke Detector(s)