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 waterfront home in St. Johns County.

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Active

Active·2 days on market·Trailmark

98 Ferndale Way

St. Augustine, FL 32092

$419,900$222/sqftEst. $2,161/moMLS# 2160318

Beds

Baths

1,893

Sq Ft

2020

Built

Garage

Pool

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

Cost to own

Mortgage calculator

Home Price

$419,900

Down Payment: 20%

$83,980

Interest Rate: 6.67%

Loan Term

Monthly Payment

$2,161

Principal & Interest: $2,161

Property taxes (est.): $559

Insurance (est.): $280

Estimated Total Monthly

$3,000

*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$2,161

Property taxesest. at asking price, St. Johns County$559

HOAbilled annually$8

Estimated total, before insurance$2,728/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$7,042/yr · $587/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): $7,042/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.

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 home

As 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.

History

Price & status history

Aug 15, 2026Listed$419,900

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

Features

Price$419,900

Price / Sq Ft$222

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,893

Acres0.14 acres

Year Built2020

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontYes

Community Information

Address98 Ferndale Way, St. Augustine, FL 32092

Area309-World Golf Village Area-West

SubdivisionTrailmark

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32092

Lot Size6,098.4 sq ft

Parcel Number0290117290

ZoningResidential

Amenities

AmenitiesPool, Basketball Court, Boat Launch, Clubhouse, Dog Park, Fitness Center, Jogging Path, Pickleball, Playground

UtilitiesElectricity Connected, Sewer Connected, Water Connected

Water SourcePublic

ParkingGarage

ViewWater

Waterfront TypeLake Front

Interior

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

AppliancesElectric Range, Ice Maker, Microwave, Refrigerator, Tankless Water Heater

HeatingCentral

CoolingCentral Air

FlooringCarpet

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Washer Hookup