Skip to main content
Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

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

Photo 1 / 18
Sold

Sold·Closed Aug 5, 2026·6 days on market·Recent sales in Arbor Mill·Arbor Mill

76 Trumpco Drive

St. Augustine, FL 32092

$457,250sold priceListed at $464,900 · 98.4% of asking$457250/sqftMLS# 2155948
4
Beds
2
Baths
1
Sq Ft
2018
Built
3
Garage
No
Pool

8 more homes for sale in Arbor Mill →Search Arbor Mill on the map

FEMA Zone XHOA $64/mo13,896 sqft lotSingle Family Residence1 story

About this home

Arbor Mill

Move-in ready 4-bedroom, 2-bathroom waterfront home in the beautiful neighborhood of Arbor Mill Phase One. This home features a spacious open floor plan that seamlessly connects the main living areas, creating an inviting and airy feel. The updated kitchen is perfectly designed for both everyday living and entertaining, boasting sleek quartz countertops and stainless-steel appliances. The primary suite provides a relaxing private retreat, complete with a large walk-in closet and an attached en-suite bathroom featuring a double sink vanity. Step out to the backyard to enjoy the peaceful waterfront views right from your own property.

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$2,533
Property taxesest. at asking price, St. Johns County$608
HOAbilled annually$64
Estimated total, before insurance$3,206/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$6,088/yr · $507/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

$457,250
$91,450
Loan Term
Monthly Payment
$2,533
Principal & Interest: $2,533
Property taxes (est.): $608
Insurance (est.): $305
Estimated Total Monthly
$3,446
*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 2018)

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

Solar potential: ~1,769 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.

Sun & Light

East-facing backyard — the morning-light lot

The listing reports the home facing west, which puts the backyard on the east side. Today at this address: sunrise 7:25 AM, sunset 7:00 PM.

  • The rear takes the sunrise and the gentle morning sun, then goes shaded through the afternoon — the classic comfortable-summer-evening lanai in Florida.
  • A pool back here warms with the morning and sits in shade by late afternoon: cooler water than a west lot, and evening swims without the glare.
  • The front of the home carries the hot western afternoon instead of your living space.

Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $6,088/yr

Estimated taxes if purchased at asking price: ~$7,300/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, NEFMLS.

History

Price & status history

  • Aug 19, 2026Closed$464,900
  • Jul 23, 2026Pending$464,900
  • Jul 17, 2026Listed$464,900

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

Features

Price$464,900
Price / Sq Ft$464,900
Bedrooms4
Bathrooms2.00
Full Baths2
Square Footage1
Total Structure Area2,268 sq ft
Acres0.32 acres
Year Built2018
TypeResidential
Sub-TypeSingle Family Residence
StyleRanch, Traditional
StatusClosed
# of Garages3
Has PoolNo
Is WaterfrontNo
Direction FacesWest

School Information

Community Information

Address76 Trumpco Drive, St. Augustine, FL 32092
Area303-Palmo/Six Mile Area
SubdivisionArbor Mill
CitySt. Augustine
CountySt. Johns
StateFL
Zip Code32092
Lot Size13,895.64 sq ft
Parcel Number027141-1460
ZoningPUD

Amenities

AmenitiesClubhouse, Jogging Path, Playground, Trash
UtilitiesElectricity Connected, Natural Gas Available, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage
ViewWater

Interior

Interior FeaturesCeiling Fan(s), Eat-in Kitchen, Kitchen Island, Primary Bathroom -Tub with Separate Shower, Walk-In Closet(s), Other
AppliancesDishwasher, Disposal, Double Oven, Gas Range, Microwave, Refrigerator
HeatingCentral
CoolingCentral Air
FlooringLaminate, Vinyl
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, Washer Hookup

Exterior

Lot DescriptionSprinklers In Front, Sprinklers In Rear
Patio / PorchRear Porch, Screened
RoofShingle
ConstructionVinyl Siding
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedJuly 17, 2026
Days on Market6
HOA Fees$772 / Annually
HOA FrequencyAnnually
HOA NameArbor Mill at Mill Creek Homeowners Association
Tax Amount$6,088
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: ENTERA REALTY LLC

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 →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Aug 5, 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.

Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

Northeast Florida living

Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines