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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 — a waterfront home in St. Johns County.

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Sold

Sold·Closed Aug 3, 2026·14 days on market·Recent sales in Trailmark·Trailmark

35 Pepperpike Way

St. Augustine, FL 32092

$445,000sold priceListed at $439,900 · 101.2% of asking$217/sqftMLS# 2150269
4
Beds
3
Baths
2,049
Sq Ft
2020
Built
2
Garage
No
Pool

36 more homes for sale in Trailmark →Search Trailmark on the map

FEMA Zone XHOA $8/mo8,276 sqft lotWaterfrontSingle Family Residence1 story

About this home

Trailmark

Discover a former model home in the master-planned TrailMark community where thoughtful design, exceptional amenities and breathtaking natural views come together. This beautifully appointed home features an open concept floor plan that connects the living, dining and kitchen spaces, creating the perfect setting for everyday living and entertaining. Large windows fill the home with natural light and a double patio door showcase the pond and preserve views providing a peaceful and private backdrop. Living areas flow to the screened lanai, and fenced yard where you can relax while taking in the picturesque scenery. The home also features a large kitchen island with quartz counters and stainless-steel appliances, two primary walk-in closets, a teen/flex space, surround sound system and custom window treatments. The community's recreation focus and resort-style amenities include a clubhouse, pool, sports courts, playgrounds, miles of walking and biking trails and kayak launch.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$2,465
Property taxesest. at asking price, St. Johns County$592
HOAbilled annually$8
Estimated total, before insurance$3,065/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$6,749/yr · $562/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$445,000
$89,000
Loan Term
Monthly Payment
$2,465
Principal & Interest: $2,465
Property taxes (est.): $592
Insurance (est.): $297
Estimated Total Monthly
$3,354
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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.

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: ~1,786 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.

Cost to own

Taxes & assessment

Last sold: $488,000 in June 2023(county public record, not MLS data)

YearMarket valueTaxable valueChange
2025$393,251$265,113—
2024$393,164$256,934—
2023$352,715$319,946—
2022$333,189$290,860—
2021$264,418$264,418—
2020$65,000$65,000—

2025 property taxes (current owner): $6,749/yr

Estimated taxes if purchased at asking price: ~$7,100/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.

History

Price & status history

  • Aug 4, 2026Closed$439,900
  • Jul 21, 2026Pending$439,900
  • Jun 12, 2026Listed$439,900

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

Closed sales

What sold nearby

Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $217/sq ft; this home is listed at $215/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
62 Alderwood Place, St. Augustine, FL 32092Listed by REAL BROKER LLCOct 2026$425,000$2064/32,0661220.1
144 Alderwood Place, St. Augustine, FL 32092Listed by REAL BROKER LLCAug 2026$436,000$2114/32,0661030.1
199 Osprey Mills Lane, St. Augustine, FL 32092Listed by 1 REALTY CORPSep 2026$498,000$2414/32,066200.2
98 Ferndale Way, St. Augustine, FL 32092Listed by SELLSTATE NEXT GENERATION REALTYSep 2026$410,000$2173/21,893300.2
105 Bloomfield Way, St. Augustine, FL 32092Listed by REAL BROKER LLCOct 2026$474,900$2094/3.52,27040.3
107 Providence Drive, St. Augustine, FL 32092Listed by VILANO CREEK VENTURES LLCSep 2026$520,000$2244/32,32520.4

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

Features

Price$439,900
Price / Sq Ft$215
Bedrooms4
Bathrooms3.00
Full Baths3
Square Footage2,049
Acres0.19 acres
Year Built2020
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontYes

Community Information

Address35 Pepperpike Way, St. Augustine, FL 32092
Area309-World Golf Village Area-West
SubdivisionTrailmark
CitySt. Augustine
CountySt. Johns
StateFL
Zip Code32092
Lot Size8,276.4 sq ft
Parcel Number0290114590
ZoningResidential

Amenities

AmenitiesPool, Other, Basketball Court, Boat Launch, Clubhouse, Dog Park, Fitness Center, Jogging Path, Park, Pickleball, Playground, Tennis Court(s)
Community FeaturesSidewalks
UtilitiesCable Available, Electricity Connected, Natural Gas Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage, Garage Door Opener
ViewPond, Protected Preserve, Trees/Woods
Waterfront TypePond

Interior

Interior FeaturesBuilt-in Features, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, His and Hers Closets, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Primary Downstairs, Smart Thermostat, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Dryer, Gas Range, Microwave, Refrigerator, Washer
HeatingCentral
CoolingCentral Air
FlooringCarpet
# of Stories1
LevelsOne
LaundryGas Dryer Hookup, Washer Hookup
SecuritySecurity System Owned, Smoke Detector(s)

Exterior

Lot DescriptionSprinklers In Front, Sprinklers In Rear
Patio / PorchRear Porch, Screened
FencingFenced, Back Yard
RoofShingle
ConstructionFiber Cement
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedJune 12, 2026
Days on Market14
HOA Fees$100 / Annually
HOA FrequencyAnnually
Tax Amount$6,749.15
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: COLDWELL BANKER VANGUARD REALTY

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

The neighborhood

About Trailmark

Trailmark is a neighborhood in St. Johns County, FL (St. Johns County), ZIP 32092.

View all Trailmark homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Aug 3, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.

Text Krista about this saleHomes for sale nearby →

20+ years · 500+ closings · NE Florida

Curious what nearby homes sold for?

MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

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