This home is in Trailmark, St. Augustine — a waterfront home in St. Johns County.
Active Under Contract·46 days on market·Trailmark
98 Ferndale Way
St. Augustine, FL 32092
51 more homes for sale in Trailmark →Search Trailmark on the map
See it this week
Want to walk through this home this week?
Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.
Call (904) 333-8595 Text Krista
Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Trailmark
Welcome to this move-in ready 2020-built lakefront home in the highly desirable Trailmark subdivision of St. Augustine, FL! Featuring 3 bedrooms and 2 bathrooms, this beautifully upgraded home offers modern comfort, stylish finishes, peaceful lake views, and thoughtful details throughout. Step inside to high ceilings, luxury vinyl plank flooring throughout the main living areas, and neutral carpet in the bedrooms for added comfort. The open-concept layout is bright and inviting, with large clear sliding glass doors that showcase beautiful lake views from inside the home and create a seamless connection to the outdoor living spaces. The kitchen is a true standout with all-new stainless steel appliances, a gas range, gorgeous granite countertops, and a large kitchen island with bar seating--perfect for cooking, dining, entertaining, or gathering with family and friends. You'll also love the separate cabinet and coffee bar area, complete with an outlet for all your kitchen essentials
Next steps in Trailmark
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 (that applies to the reference bill above too).
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 F
Zone F evacuates after zones A, B, C, D, E in an approaching storm.
Roof: Shingle — year not disclosed (home built 2020)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,686 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 August 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.
Cost to own
Taxes & assessment
2025 property taxes (current owner): $7,042/yr
Estimated taxes if purchased at asking price: ~$6,700/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.
History
Price & status history
- Aug 28, 2026Active Under Contract$419,900
- Aug 15, 2026Listed$419,900
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: SELLSTATE NEXT GENERATION REALTY
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 Trailmark
Trailmark is a neighborhood in St. Johns County, FL (St. Johns County), ZIP 32092.
View all Trailmark homes for sale →Keep looking
More homes in Trailmark
For Sale51 Foxcross AvenueSt. Augustine, FL 32092
3 bd · 2.5 ba · 2,380 sq ft
$430,000Est. $2,289/moMove-in ready Providence Home in Trailmark. The large open concept family room is flanked with a wall of windows and…
Listing Office: remax welcome home
For Sale28 Seasons CourtSt. Augustine, FL 32092
4 bd · 3 ba · 2,025 sq ft
$430,000Est. $2,289/moMake sure to check out the Virtual Tour for a 3D Model w/ Walkthrough, Floor Plan w/ Measurements, Video, & more! Step…
Listing Office: exp realty llc
For Sale341 Wrensong PlaceSt. Augustine, FL 32092
3 bd · 3 ba · 1,700 sq ft
$431,997Est. $2,299/moIdeal for entertaining, the Fraser's open-concept layout features a large kitchen with a breakfast-bar island, flanked…
Listing Office: axen realty llc
For Sale210 Wineberry LaneSt. Augustine, FL 32092
3 bd · 2.5 ba · 2,048 sq ft
$404,990Est. $2,156/moPROTECTED PRIVATE PRESERVE * 1ST FLOOR PRIMARY SUITE * WALK-IN CLOSETS IN EVERY BEDROOM Tucked against a protected…
Listing Office: real broker llc
Keep looking
Similar homes in St. Augustine
Explore the area
More in Trailmark
Trailmark guides & reports
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.
Text Krista about this home20+ years · 500+ closings · NE Florida
Curious what nearby homes sold for?
MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines