This home is in Trailmark, St. Augustine.

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Active

Active·Listed today·Trailmark

255 Split Oak Road

St. Augustine, FL 32092

$638,000$228/sqftEst. $3,253/moMLS# 2157575

Beds

Baths

2,800

Sq Ft

2016

Built

Garage

Pool

About this home

Trailmark

Welcome to this one-of-a-kind home in the highly sought-after TrailMark community! Thoughtfully designed with stunning interior designer finishes throughout, this exceptional residence offers 4 spacious bedrooms, 3.5 bathrooms, a 3-car garage, and a private multi-generational suite perfect for extended family, guests, or a home office. The open-concept floor plan is filled with natural light and seamlessly blends luxury with everyday functionality. The gourmet kitchen overlooks the expansive living and dining areas, custom built-ins and recessed lighting. Retreat to the spacious owner's suite featuring a spa-inspired bath and generous custom walk-in closet. Step outside to an oversized backyard with endless possibilities for a future pool, outdoor kitchen, or private oasis. Located in one of St. Johns County's most desirable master-planned communities, residents enjoy resort-style amenities, scenic trails, parks, kayak launch, fitness and much more!

Cost to own

Mortgage calculator

Home Price

$638,000

Down Payment: 20%

$127,600

Interest Rate: 6.58%

Loan Term

Monthly Payment

$3,253

Principal & Interest: $3,253

Property taxes (est.): $849

Insurance (est.): $425

Estimated Total Monthly

$4,527

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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 · 6.58% · 30yr$3,253

Property taxesest. at asking price, St. Johns County$849

HOAbilled annually$8

Estimated total, before insurance$4,110/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$9,048/yr · $754/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

2025 property taxes (current owner): $9,048/yr

Estimated taxes if purchased at asking price: ~$10,200/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, NEFMLS.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — year not disclosed (home built 2016)

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

Solar potential: ~1,725 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

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 29, 2026Listed$638,000

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

Features

Price$638,000

Price / Sq Ft$228

Bedrooms4

Bathrooms3.50

Full Baths3

Half Baths1

Square Footage2,800

Acres0.24 acres

Year Built2016

TypeResidential

Sub-TypeSingle Family Residence

StyleA-Frame, Multi Generational, Traditional

Property ConditionUpdated/Remodeled

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontNo

School Information

ElementaryPicolata Crossing

MiddlePacetti Bay

HighTocoi Creek

Community Information

Address255 Split Oak Road, St. Augustine, FL 32092

Area309-World Golf Village Area-West

SubdivisionTrailmark

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32092

Lot Size10,454.4 sq ft

Parcel Number0290110370

Amenities

AmenitiesPool, Other, Dog Park, Fitness Center, Jogging Path, Maintenance Grounds, Management- On Site, Park, Pickleball, Playground, Tennis Court(s), Water

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

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage

ViewProtected Preserve

Interior

Interior FeaturesCeiling Fan(s), Eat-in Kitchen, Entrance Foyer, In-Law Floorplan, Jack and Jill Bath, Kitchen Island, Pantry, Primary Bathroom -Tub with Separate Shower, Smart Thermostat, Walk-In Closet(s)

AppliancesConvection Oven, Dishwasher, Disposal, Double Oven, Dryer, Gas Range, Microwave, Refrigerator, Tankless Water Heater, Washer, Water Softener Owned

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile

# of Stories1

LevelsOne

LaundryIn Unit, Lower Level

SecurityFire Alarm, Smoke Detector(s)

Spa FeaturesCommunity