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·2 days on market·Reverie At Trailmark

308 Rustic Mill Drive

St. Augustine, FL 32092

$560,000$218/sqftEst. $2,876/moMLS# 2160756

Beds

Baths

2,564

Sq Ft

2022

Built

Garage

Pool

About this home

Reverie At Trailmark

Welcome to effortless luxury and the ultimate 55+ active adult lifestyle at 308 Rustic Mill Dr.! Built in 2022, this beautifully upgraded, single-story Next Gen home offers an exceptional blend of comfort, versatility, and low-maintenance living--just steps from the community's incredible amenity center. The thoughtfully designed floor plan features 2 bedrooms, a flex room, 2.5 bathrooms, and a private multigenerational suite with its own separate entrance, living area, kitchenette, and garage--an ideal setup for visiting guests, extended stays, caregivers, or long-term guests seeking privacy and independence. Inside, an open-concept layout showcases soaring tray ceilings, 8-foot doors, upscale finishes, and upgrades throughout. The gourmet kitchen is the heart of the home, flowing seamlessly into the spacious living and dining areas and creating an inviting space for everyday living and entertaining. Step outside to your private outdoor retreat, complete with a paved patio and hot

Cost to own

Mortgage calculator

Home Price

$560,000

Down Payment: 20%

$112,000

Interest Rate: 6.65%

Loan Term

Monthly Payment

$2,876

Principal & Interest: $2,876

Property taxes (est.): $745

Insurance (est.): $373

Estimated Total Monthly

$3,995

*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$2,876

Property taxesest. at asking price, St. Johns County$745

HOAbilled annually$23

Estimated total, before insurance$3,645/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$11,033/yr · $919/mo

This bill runs well above the county-average estimate — usually the sign of a CDD or special assessment on this home. We confirm the exact line (and whether a bond was ever prepaid) before you offer.

• 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

Year	Market value	Taxable value	Change
2025	$472,116	$410,333	—
2024	$473,949	$394,075	—
2023	$431,141	$381,141	—
2022	$72,800	$72,800	—
2021	$25,000	$25,000	—

2025 property taxes (current owner): $11,033/yr

Estimated taxes if purchased at asking price: ~$8,900/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 (2025), 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: material not specified — year not disclosed (home built 2022)

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

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 19, 2026Listed$560,000

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

Features

Price$560,000

Price / Sq Ft$218

Bedrooms2

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage2,564

Acres0.17 acres

Year Built2022

TypeResidential

Sub-TypeSingle Family Residence

StyleMulti Generational

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontNo

Gated CommunityYes

55+ CommunityYes

Community Information

Address308 Rustic Mill Drive, St. Augustine, FL 32092

Area309-World Golf Village Area-West

SubdivisionReverie At Trailmark

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32092

Lot Size7,405.2 sq ft

Parcel Number0290020320

Amenities

AmenitiesPool, Barbecue, Basketball Court, Boat Launch, Clubhouse, Dog Park, Fitness Center, Gated, Jogging Path, Maintenance Grounds, Management - Full Time, Pickleball, Spa/Hot Tub, Tennis Court(s)

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

Water SourcePublic

ParkingAttached, Garage

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Guest Suite, In-Law Floorplan, Kitchen Island, Open Floorplan, Pantry, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)

AppliancesENERGY STAR Qualified Dishwasher, ENERGY STAR Qualified Refrigerator, Gas Cooktop, Gas Oven, Gas Range, Gas Water Heater, Microwave, Refrigerator, Water Softener Owned

HeatingCentral, Natural Gas

CoolingCentral Air

# of Stories1

LevelsOne

LaundryIn Unit

SecuritySecurity Gate

Spa FeaturesAbove Ground