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 Trailmark, St. Augustine — a home near Tocoi Creek High School.

Active Under Contract

Active Under Contract·Listed today·Trailmark

107 Providence Drive

St. Augustine, FL 32092

$524,900$226/sqftEst. $2,701/moMLS# 2160023

Beds

Baths

2,325

Sq Ft

2017

Built

Garage

Pool

About this home

Trailmark

Tucked away in St. Augustine's TrailMark community, 107 Providence Dr blends comfortable indoor living with the natural beauty of Northeast Florida. This 4-bedroom, 3-bathroom home features a triple-split floor plan designed for privacy and flexibility, whether you need dedicated space for guests, a home office or a growing household. Positioned on nearly a quarter-acre water lot, the rear of the home faces southwest, offering incredible evening sunset views over the water. Step outside through the glass doors to an oversized, screened lanai that opens onto an extended paver patio. It's the perfect setup for peaceful morning coffees or evening dinners outdoors. Beyond the fenced backyard, TrailMark offers a lifestyle built around nature and community connection.

Cost to own

Mortgage calculator

Home Price

$524,900

Down Payment: 20%

$104,980

Interest Rate: 6.67%

Loan Term

Monthly Payment

$2,701

Principal & Interest: $2,701

Property taxes (est.): $699

Insurance (est.): $350

Estimated Total Monthly

$3,750

*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$2,701

Property taxesest. at asking price, St. Johns County$698

HOAbilled annually$8

Estimated total, before insurance$3,408/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$7,194/yr · $600/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): $7,194/yr

Estimated taxes if purchased at asking price: ~$8,400/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 2017)

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

Solar potential: ~1,795 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

Aug 13, 2026Listed$524,900

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

Features

Price$524,900

Price / Sq Ft$226

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,325

Total Structure Area3,540 sq ft

Acres0.23 acres

Year Built2017

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive Under Contract

# of Garages3

Has PoolNo

Is WaterfrontYes

Direction FacesNortheast

School Information

ElementaryPicolata Crossing

MiddlePacetti Bay

HighTocoi Creek

Community Information

Address107 Providence Drive, St. Augustine, FL 32092

Area309-World Golf Village Area-West

SubdivisionTrailmark

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32092

Lot Size10,018.8 sq ft

Parcel Number0290110650

ZoningPUD

Amenities

AmenitiesPool, Basketball Court, Clubhouse, Dog Park, Fitness Center, Jogging Path, Maintenance Grounds, Playground, Tennis Court(s)

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

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Garage Door Opener

ViewPond

Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)

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

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringCarpet, Tile

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Gas Dryer Hookup, Washer Hookup

SecuritySmoke Detector(s)