This home is in Arbor Mill, St. Augustine — a home near Tocoi Creek High School.
Active·45 days on market·Arbor Mill
20 Trumpco Drive
St. Augustine, FL 32092
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.
Cost to own
Mortgage calculator
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).
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: ~$9,200/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 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 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 18, 2026Listed$574,900
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
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 →Listing Courtesy of: KELLER WILLIAMS REALTY ATLANTIC PARTNERS
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
Keep looking
More homes in Arbor Mill
Active$585,000MLS# 2149104Est. $3,114/mo284 Atlanta Drive, St. Augustine, FL 320923 Beds3 Baths2,387 sqftMove-in ready and packed with upgrades and no CDD! This beautifully designed 3-bedroom, 3-bath home with a private…
ResidentialUNITED REAL ESTATE GALLERY
Active$559,000MLS# 2136161Est. $2,975/mo39 Lansing Court, St. Augustine, FL 320923 Beds2 Baths2,302 sqftExquisite Semi-Custom Home in Arbor Mill. Experience sophistication and comfort in this extraordinary semi-custom home…
ResidentialRE/MAX UNLIMITED
Active$600,000MLS# 2155535Est. $3,193/mo308 Athens Drive, St. Augustine, FL 320925 Beds3 Baths2,951 sqft$5,000 Seller Concession with an Acceptable Offer! Use it toward closing costs, a rate buy-down, or prepaid expenses…
ResidentialREALTY ONE GROUP ELEVATE
Active Under Contract$620,000MLS# 2154451Est. $3,300/mo479 Athens Drive, St. Augustine, FL 320923 Beds2 Baths2,577 sqftIf your weekends are spent exploring rather than mowing the lawn, this home was designed with you in mind. This…
ResidentialROUND TABLE REALTY
Keep looking
Similar homes in St. Augustine
Your Local Realtor
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.
Text Krista about this home20+ 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.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines