This home is in Indian Trace, St. Augustine — a home near Tocoi Creek High School.
Active Under Contract·93 days on market·Indian Trace
5520 Muskogean Street
St. Augustine, FL 32092
All Indian Trace homes for sale →Search Indian Trace on the map
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About this home
Indian Trace
Set on 1.22 peaceful acres in rural St. Augustine, this beautifully maintained property offers the perfect blend of privacy, functionality, and modern comfort. Built with durable concrete block and brick construction, this 3,854-square-foot, single-story home features 4 bedrooms, 3.5 bathrooms, soaring vaulted ceilings with skylights, recessed lighting, a cozy wood-burning fireplace, and fresh interior updates throughout. The updated kitchen shines with a designer backsplash and a Forno gas range, while tile and wood flooring add timeless appeal. Designed for both everyday living and long-term peace of mind, the spacious primary suite includes a walk-in closet that also serves as a safe room, offering potential insurance savings. Recent improvements include a newer septic drain field (2021), newer water heater (2021), and all-new lighting. Step outside and embrace the lifestyle you've been dreaming of. Relax on the expansive lanai overlooking the pool and spa, enjoy evenings
Next steps in Indian Trace
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.
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 2010)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Septic system (public record) · Private well (public record)
County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,776 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.
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
Mussallem Beachfront Park33 min drive · 48 parking spaces
Closest park or preserve
Twelve Mile Swamp Conservation Area17 min drive · 2.2 mi of trails
Closest public boat ramp
Palmo Cove Public Boat Rampabout 6 mi · St. Johns River - Palmo Cove
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
Publixabout 4 mi · 84 Tuscan Way, 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.
History
Price & status history
- Sep 23, 2026Active Under Contract$849,999
- Sep 2, 2026Active$849,999
- Aug 31, 2026Active Under Contract$849,999
- Jul 24, 2026Listed$849,999
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 $185/sq ft; this home is listed at $221/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 270 Wrensong Place, St. Augustine, FL 32092Listed by THE REALTY EXPERIENCE POWERED | Jan 2026 | $497,928 | $164 | 5/3.5 | 3,030 | 87 | 1.2 |
| 290 Wrensong Place, St. Augustine, FL 32092Listed by THE REALTY EXPERIENCE POWERED | Jan 2026 | $493,124 | $163 | 5/3.5 | 3,030 | 5 | 1.2 |
| 5129 Gracewood Lane, St. Augustine, FL 32092Listed by PREMIER HOMES REALTY INC | Jun 2026 | $666,500 | $199 | 4/3 | 3,341 | 13 | 1.3 |
| 2459 Trailmark Drive, St. Augustine, FL 32092Listed by THE REALTY EXPERIENCE POWERED | Dec 2025 | $571,997 | $185 | 5/4 | 3,100 | 109 | 1.4 |
| 244 Willow Lake Drive, St. Augustine, FL 32092Listed by WEICHERT REALTORS COASTAL CITY | Oct 2026 | $500,000 | $151 | 4/3.5 | 3,305 | 216 | 1.5 |
| 464 Richland Manor Road, St. Augustine, FL 32092Listed by JACKSONVILLE TBI REALTY, LLC | Aug 2026 | $1,635,247 | $372 | 5/5.5 | 4,390 | 45 | 1.5 |
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: EXP 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 Indian Trace
Indian Trace is a neighborhood in St. Johns County, FL (St. Johns County), ZIP 32092.
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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.
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Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines