Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in Trailmark, St. Augustine — a home near Tocoi Creek High School.

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Active

Active·45 days on market·Trailmark

165 Bluegrass Way

St. Augustine, FL 32092

$479,999$192/sqftEst. $2,447/moMLS# 2150834

Beds

Baths

2,503

Sq Ft

2025

Built

Garage

Pool

About this home

Trailmark

SELLER OFFERING RATE BUYDOWN WITH ACCEPTABLE OFFER! HOME COMES WITH OVER $70,000 IN UPGRADES! Better than new!! Custom finishes include new luxury vinyl plank floors, plantation shutters, pavers in the backyard patio and driveway, and a built-in Sonos audio system that creates the perfect atmosphere for entertaining or relaxing at home. This home is over 2500 square feet with 4 bedrooms, 3 bathrooms in the highly sought-after TrailMark community. The stunning primary suite serves as a private retreat, featuring a beautifully upgraded spa-inspired shower and custom touches that make everyday living feel luxurious.. The heart of the home flows seamlessly into the outdoor living space, where an extended patio and fully fenced backyard provides the perfect setting for outdoor living. Trailmark amenities include resort-style pool, pickleball, fitness center, over 10 miles of walking trails and much more! Schedule a showing today!

Cost to own

Mortgage calculator

Home Price

$479,999

Down Payment: 20%

$96,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,447

Principal & Interest: $2,447

Property taxes (est.): $639

Insurance (est.): $320

Estimated Total Monthly

$3,406

*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$2,447

Property taxesest. at asking price, St. Johns County$639

HOAbilled annually$8

Estimated total, before insurance$3,094/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,989/yr · $332/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

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

2025 property taxes (current owner): $3,989/yr

Estimated taxes if purchased at asking price: ~$7,700/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 2025)

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

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

Jul 18, 2026Price change$479,999−$10,000
Jun 16, 2026Listed$489,999

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

Features

Price$479,999

Price / Sq Ft$192

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,503

Total Structure Area2,508 sq ft

Acres0.19 acres

Year Built2025

TypeResidential

Sub-TypeSingle Family Residence

StyleA-Frame

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

School Information

ElementaryPicolata Crossing

MiddlePacetti Bay

HighTocoi Creek

Community Information

Address165 Bluegrass 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 Number0290150790

Amenities

AmenitiesPool, Barbecue, Basketball Court, Clubhouse, Dog Park, Fitness Center, Jogging Path, Playground

UtilitiesCable Available, Electricity Available, Natural Gas Available, Sewer Connected

SewerPublic Sewer

Water SourcePublic

Green / EnergyHVAC, Windows

ParkingGarage

ViewTrees/Woods

Interior

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

AppliancesDishwasher, Disposal, Dryer, Electric Oven, Freezer, Gas Range, Ice Maker, Microwave, Refrigerator, Washer

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile

# of Stories2

LevelsTwo

LaundryIn Unit, Upper Level