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 Reverie At Trailmark, St. Augustine — a gated community home in St. Johns County.

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Active

Active·44 days on market·Reverie At Trailmark

102 Amberwood Drive

St. Augustine, FL 32092

$434,500$275/sqftEst. $2,236/moMLS# 2153555

Beds

Baths

1,579

Sq Ft

2023

Built

Garage

Pool

About this home

Reverie At Trailmark

BETTER THAN NEW & BUILT TO LAST - Over $75,000 in Upgrades in Saint Augustine's Premier 55+ Community! Welcome to Reverie at Trailmark, St. John's County's most sought-after Active Adult 55+ community, where resort-style living meets luxury craftsmanship. This stunning 2023 build offers two bedrooms plus a flex space with elegant French doors- and it comes loaded with premium features the builder is no longer offering. Built with superior 2x6 exterior walls, Low-E windows, hurricane tie-down cables from roof to slab, and 10-foot ceilings throughout, this home delivers peace of mind and lasting quality. Eight-foot doors, a screened and covered lanai, and a spacious premium lot, invites you to create your own private backyard oasis. Inside, every detail has been elevated: upgraded 8-inch wood-look tile throughout, designer lighting, custom cabinetry, ceiling fans, quartz quartz countertops in every room, a stunning extended kitchen island, and a beautifully appointed upgraded laundry

Cost to own

Mortgage calculator

Home Price

$434,500

Down Payment: 20%

$86,900

Interest Rate: 6.67%

Loan Term

Monthly Payment

$2,236

Principal & Interest: $2,236

Property taxes (est.): $578

Insurance (est.): $290

Estimated Total Monthly

$3,104

*30-year loan at 6.67% APR (avg 30-yr rate 2026-08-13, 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 · 6.67% · 30yr$2,236

Property taxesest. at asking price, St. Johns County$578

HOAbilled monthly$23

Estimated total, before insurance$2,837/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$7,962/yr · $664/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

Last sold: $427,600 in September 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$372,557	$250,472	—
2024	$373,585	$242,706	—
2023	$65,000	$65,000	—

2025 property taxes (current owner): $7,962/yr

Estimated taxes if purchased at asking price: ~$6,900/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 2023)

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

Solar potential: ~1,731 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

Jul 13, 2026Price change$434,500−$15,000
Jul 2, 2026Listed$449,500

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

Features

Price$434,500

Price / Sq Ft$275

Bedrooms2

Bathrooms2.00

Full Baths2

Square Footage1,579

Acres0.22 acres

Year Built2023

TypeResidential

Sub-TypeSingle Family Residence

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Gated CommunityYes

55+ CommunityYes

Community Information

Address102 Amberwood Drive, St. Augustine, FL 32092

Area309-World Golf Village Area-West

SubdivisionReverie At Trailmark

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32092

Lot Size9,583.2 sq ft

Parcel Number0290021910

Amenities

AmenitiesPool, Basketball Court, Boat Launch, Clubhouse, Dog Park, Fitness Center, Gated, Jogging Path, Maintenance Grounds, Management - Full Time, Pickleball, Spa/Hot Tub

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

Water SourcePublic

ParkingGarage, Garage Door Opener

Interior

Interior FeaturesCeiling Fan(s), Entrance Foyer, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Double Oven, Dryer, Freezer, Gas Cooktop, Gas Range, Gas Water Heater, Ice Maker, Microwave, Refrigerator, Tankless Water Heater, Washer, Water Softener Owned

HeatingCentral

CoolingCentral Air

# of Stories1

LevelsOne

SecuritySecurity Gate