This home is in Arbor Mill, St. Augustine — a home near Tocoi Creek High School.
$569,900Active Under Contract4 bd · 3 ba · 2,266 sq ft
Active Under Contract·135 days on market·Arbor Mill
20 Trumpco Drive
St. Augustine, FL 32092
7 more homes for sale in Arbor Mill →Search Arbor Mill on the map
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About this home
Arbor Mill
Welcome Home! This stunning lakefront 4 bedroom 3 full bath home sits on an oversized corner lot & has been beautifully updated & impeccably maintained. From the moment you arrive, you'll appreciate the FRESHLY PAINTED exterior, updated landscaping, paver driveway, and spacious 3-car garage, creating exceptional curb appeal. Step inside to discover thoughtfully designed living spaces w/updated light fixtures & ceiling fans. The gourmet kitchen is a chef's dream featuring quartzite countertops, a natural gas range w/vent hood & oversized island perfect for entertaining. This home offers 4 generously sized bedrooms, including a private guest suite w/full bathroom. The owner's retreat features a customized new walk-in closet designed by Closets by Design. The spacious family room is highlighted by a new electric fireplace w/custom built-ins, creating a focal point for gathering with family & friends.
Next steps in Arbor Mill
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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
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 A
Zone A evacuates first in a storm — typically coastal and surge-prone areas.
Roof: Shingle — year not disclosed (home built 2018)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,801 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 homeAs 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, read at the listing’s map pin or, on lots of an acre or more, across the county parcel (state cadastral). A zone shown for part of a lot may not be where the home stands. 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.
Around this address
Nearby, from public data
The closest public beach, park, water access, league fields and grocery store from this home's location.
Closest beach parking
Guana Reserve dirt lotabout 12 mi · 60 parking spaces
Closest park or preserve
Gourd Island Conservation Area18 min drive · 3.3 mi of trails
Closest public boat ramp
Trout Creek Park Boat Rampabout 2 mi · St. Johns River - Trout Creek (St. Augustine)
Closest kayak & paddleboard launch
Williams Park Canoe/Kayak Launchabout 7 mi · Saint Johns River
Closest youth league fields
Pacetti Bay School Fields10 min drive · Baseball
Closest grocery store
Publix8 min drive · 1975 Silverleaf Pkwy, Saint Augustine
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.
Cost to own
Taxes & assessment
Last sold: $550,000 in September 2023(county public record, not MLS data)
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $426,553 | $375,831 | — |
| 2024 | $451,704 | $401,704 | — |
| 2023 | $455,055 | $197,037 | — |
| 2022 | $388,908 | $189,842 | — |
| 2021 | $306,599 | $182,856 | — |
| 2020 | $280,987 | $179,641 | — |
2025 property taxes (current owner): $5,557/yr
Estimated taxes if purchased at asking price: ~$9,100/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
- Oct 19, 2026Active Under Contract$569,900
- Sep 4, 2026Price change$569,900−$5,000
- Jun 18, 2026Listed$574,900
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 $241/sq ft; this home is listed at $252/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 163 Vivian James Drive, St. Augustine, FL 32092Listed by HOUSE & HAVEN | Sep 2026 | $635,000 | $252 | 4/3 | 2,517 | 17 | 0.1 |
| 479 Athens Drive, St. Augustine, FL 32092Listed by ROUND TABLE REALTY | Sep 2026 | $622,000 | $241 | 3/2.5 | 2,577 | 17 | 0.3 |
| 324 Silver Glen Avenue, St. Augustine, FL 32092Listed by FLUID REALTY, LLC. | Sep 2026 | $362,500 | $136 | 4/2.5 | 2,668 | 7 | 0.6 |
| 93 Scarlet Rose Lane, St. Augustine, FL 32092Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINE | Sep 2026 | $750,000 | $280 | 5/4 | 2,679 | 5 | 0.7 |
| 2080 Crown Drive, St. Augustine, FL 32092Listed by COMPASS FLORIDA LLC | Oct 2026 | $625,000 | $238 | 4/3 | 2,626 | 90 | 0.9 |
| 139 Grand Rivage Drive Drive, St. Augustine, FL 32092Listed by COLDWELL BANKER VANGUARD REALTY | Sep 2026 | $600,000 | $240 | 4/3 | 2,496 | 12 | 1.3 |
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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: KELLER WILLIAMS REALTY ATLANTIC PARTNERS
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 Arbor Mill
Arbor Mill is a neighborhood in St. Johns County, FL (St. Johns County), ZIP 32092.
View all Arbor Mill homes for sale →Keep looking
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Krista Fracke
Broker Associate
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