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 Reverie At Trailmark, St. Augustine — a 55+ community home in St. Johns County.

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Active

Active·Listed today·Reverie At Trailmark

352 Rustic Mill Drive

St. Augustine, FL 32092

$584,900$241/sqftEst. $3,010/moMLS# 2160125

Beds

Baths

2,428

Sq Ft

2022

Built

Garage

Pool

About this home

Reverie At Trailmark

Enjoy complimentary lawn care through February 2027 with the purchase of this exceptional home! Move in and enjoy a beautifully maintained lawn with one less thing to worry about. One of Reverie at TrailMark's most sought-after floor plans, this stunning 2,428 sq. ft. home offers 3 bedrooms and 3.5 bathrooms, with the rare convenience of a private en-suite bath for every bedroom. Thoughtfully designed with luxury finishes, quality construction, and exceptional attention to detail, this move-in-ready home is truly designed for both everyday living and effortless entertaining. Inside, an inviting open-concept layout centers around an oversized great room with elegant tray ceilings, 8-foot doors, upgraded flooring, designer lighting, and plantation shutters throughout. The gourmet kitchen is a true showpiece, featuring custom cabinetry, under-cabinet lighting, a gas cooktop, an expansive island, and a walk-in pantry.

Cost to own

Mortgage calculator

Home Price

$584,900

Down Payment: 20%

$116,980

Interest Rate: 6.67%

Loan Term

Monthly Payment

$3,010

Principal & Interest: $3,010

Property taxes (est.): $778

Insurance (est.): $390

Estimated Total Monthly

$4,178

*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$3,010

Property taxesest. at asking price, St. Johns County$778

HOAbilled monthly$100

Estimated total, before insurance$3,888/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,314/yr · $443/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): $5,314/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 2022)

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

Solar potential: ~1,577 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 14, 2026Listed$584,900

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

Features

Price$584,900

Price / Sq Ft$241

Bedrooms3

Bathrooms3.50

Full Baths3

Half Baths1

Square Footage2,428

Year Built2022

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontNo

55+ CommunityYes

Community Information

Address352 Rustic Mill Drive, St. Augustine, FL 32092

Area309-World Golf Village Area-West

SubdivisionReverie At Trailmark

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32092

Parcel Number0290020360

ZoningResidential

Amenities

AmenitiesPool, Clubhouse, Dog Park, Fitness Center, Jogging Path, Pickleball, Playground, Security, Spa/Hot Tub, Tennis Court(s)

UtilitiesElectricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

Interior

Interior FeaturesBuilt-in Features, Ceiling Fan(s), Eat-in Kitchen, Kitchen Island, Pantry, Primary Bathroom -Tub with Separate Shower, Walk-In Closet(s)

AppliancesDishwasher, Double Oven, Electric Oven, Gas Cooktop, Microwave, Refrigerator, Water Softener Owned

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringCarpet, Tile

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Washer Hookup