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

1 / 56

Active

Active·3 days on market

199 Osprey Mills Lane

St. Augustine, FL 32092

$529,000$256/sqftEst. $2,717/moMLS# 2160678

Beds

Baths

2,066

Sq Ft

2021

Built

Garage

Pool

About this home

St. Augustine

Welcome to 199 Osprey Mills Lane, a spacious single-story home located in TrailMark, one of St. Augustine's most desirable communities. Situated on an impressive .31-acre cul-de-sac homesite that borders the preserve, this 4-bedroom, 3-full-bath home with a 3-car garage offers the space, flexibility, and lifestyle today's buyers are looking for. One of the standout features of this property is the generous homesite, offering extra outdoor space to relax, entertain, garden, or create your own private backyard retreat--all with the natural beauty of the preserve as your backdrop. Inside, the open and functional floor plan provides plenty of room for everyday living, entertaining, working from home, and welcoming guests. With four bedrooms and three full baths, the layout offers exceptional flexibility for a variety of lifestyles. Numerous upgrades throughout the home add even more comfort, style, and appeal. Beyond the home, TrailMark offers an active Florida lifestyle, with acces

Cost to own

Mortgage calculator

Home Price

$529,000

Down Payment: 20%

$105,800

Interest Rate: 6.65%

Loan Term

Monthly Payment

$2,717

Principal & Interest: $2,717

Property taxes (est.): $704

Insurance (est.): $353

Estimated Total Monthly

$3,773

*30-year loan at 6.65% APR (avg 30-yr rate 2026-08-20, 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 · 6.65% · 30yr$2,717

Property taxesest. at asking price, St. Johns County$704

HOAbilled annually$8

Estimated total, before insurance$3,429/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,017/yr · $251/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): $3,017/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.

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 A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: Shingle — year not disclosed (home built 2021)

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

Solar potential: ~1,796 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 18, 2026Listed$529,000

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

Features

Price$529,000

Price / Sq Ft$256

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,066

Total Structure Area2,603 sq ft

Acres0.31 acres

Year Built2021

TypeResidential

Sub-TypeSingle Family Residence

Property ConditionUpdated/Remodeled

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontNo

School Information

ElementaryPicolata Crossing

MiddlePacetti Bay

HighTocoi Creek

Community Information

Address199 Osprey Mills Lane, St. Augustine, FL 32092

Area309-World Golf Village Area-West

SubdivisionWgv Whisper Creek

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32092

Lot Size13,503.6 sq ft

Parcel Number0290115060

ZoningResidential

Amenities

AmenitiesPool, Other, Barbecue, Basketball Court, Children's Pool, Clubhouse, Dog Park, Fitness Center, Jogging Path, Maintenance Grounds, Park, Pickleball, Playground, Tennis Court(s), Water

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

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage Door Opener

ViewTrees/Woods, Other

Interior

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

AppliancesDishwasher, Disposal, Dryer, Freezer, Gas Oven, Gas Range, Plumbed For Ice Maker, Refrigerator, Tankless Water Heater, Washer, Water Softener Owned

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile, Wood

# of Stories1

LevelsOne

LaundryLower Level

Security24 Hour Security, Carbon Monoxide Detector(s), Security System Owned, Smoke Detector(s)