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 South Hampton, St. Augustine — a home near Bartram Trail High School.

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Active

Active·Listed today·South Hampton

3216 Trafalgar Court

St. Augustine, FL 32092

$580,000$191/sqftEst. $2,957/moMLS# 2157974

Beds

Baths

3,036

Sq Ft

2025

Built

Garage

Pool

About this home

South Hampton

Spacious 4-bedroom, 3-bath home on a quiet cul-de-sac in the desirable golf course community of South Hampton. Backing to a peaceful preserve, this home offers privacy, generous living space, and endless potential. The popular floor plan features large secondary bedrooms, a private office, bonus room, spacious laundry room, arched doorways, tray ceilings, a curved staircase, and a cozy fireplace. The kitchen offers 42-inch cherry cabinets with crown molding, solid-surface countertops, tile backsplash, center island, pantry, breakfast bar, and breakfast nook. The primary suite includes tray ceilings, dual walk-in closets, a garden tub, and separate shower. Priced to reflect its condition, the home offers a great opportunity to add your personal touch with cosmetic updates. Enjoy resort-style amenities, top-rated schools, and easy access to shopping, dining, and historic St. Augustine.

Cost to own

Mortgage calculator

Home Price

$580,000

Down Payment: 20%

$116,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,957

Principal & Interest: $2,957

Property taxes (est.): $772

Insurance (est.): $387

Estimated Total Monthly

$4,116

*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$2,957

Property taxesest. at asking price, St. Johns County$772

HOAbilled semi-annually$111

Estimated total, before insurance$3,840/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$6,807/yr · $567/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): $6,807/yr

Estimated taxes if purchased at asking price: ~$9,300/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.

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 2025)

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

Solar potential: ~1,663 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 31, 2026Listed$580,000

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

Features

Price$580,000

Price / Sq Ft$191

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage3,036

Acres0.27 acres

Year Built2025

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Direction FacesNorthwest

School Information

ElementaryTimberlin Creek

MiddleSwitzerland Point

HighBartram Trail

Community Information

Address3216 Trafalgar Court, St. Augustine, FL 32092

Area304- 210 South

SubdivisionSouth Hampton

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32092

Lot Size11,761.2 sq ft

Parcel Number0099726200

Amenities

AmenitiesPool, Barbecue, Basketball Court, Clubhouse, Fitness Center, Golf Course, Pickleball, Playground, RV/Boat Storage, Tennis Court(s)

UtilitiesCable Available, Electricity Connected, Water Available

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage

ViewTrees/Woods

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Entrance Foyer, Kitchen Island, Pantry, Primary Bathroom - Shower No Tub, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Cooktop, Microwave, Washer

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringCarpet, Laminate, Tile

FireplaceYes

# of Fireplaces1

# of Stories2

LaundryIn Unit