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This home is in WGV Heritage Landing, St. Augustine — a gated community home in St. Johns County.

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Active

Active·Listed today·WGV Heritage Landing

3112 Trout Creek Court

St. Augustine, FL 32092

$779,000$233/sqftEst. $4,159/moMLS# 2165063

Beds

Baths

3,342

Sq Ft

2005

Built

Garage

Yes

Pool

FEMA Zone XHOA $30/mo14,810 sqft lotSingle Family Residence1 story

About this home

WGV Heritage Landing

THE CROWN JEWEL OF HERITAGE LANDING! Located in highly sought-after St. Johns County, home to Florida's #1-ranked public school district for the 2025-2026 school year, this exceptional original-owner pool home offers 3,342 square feet with 4 bedrooms, 3 full bathrooms and a dedicated office. Designed for everyday living and effortless entertaining, enjoy granite countertops, engineered wood flooring and a spectacular screened pool resurfaced with PebbleTec and complemented by solar heating. Major improvements include a 2018 roof with transferable warranty, 2018 HVAC systems, newer water heaters, gutters with LeafGuard, vinyl fencing, water softener and newer pool and irrigation pumps. BEST OF ALL--THE CDD BOND IS PAID IN FULL! Meticulously maintained with an active termite bond, monthly fertilization program and recently serviced HVAC systems. Enjoy the privacy of a nearly 1/3-acre homesite and the space, upgrades and outdoor lifestyle that make this Heritage Landing home so special!

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.03% · 30yr$4,159

Property taxesest. at asking price, St. Johns County$1,037

HOAbilled annually$30

Estimated total, before insurance$5,225/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$1,734/yr · $145/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).

Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

Home Price

$779,000

Down Payment: 20%

$155,800

Interest Rate: 7.03%

Loan Term

Monthly Payment

$4,159

Principal & Interest: $4,159

Property taxes (est.): $1,037

Insurance (est.): $519

Estimated Total Monthly

$5,715

*30-year loan at 7.03% APR (avg 30-yr rate 2026-09-24, 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.

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 — 2018 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

Sewer · St Johns County Utilities - accounts · Public water · St Johns County Utilities - water accounts

County records show this parcel on central sewer served by St Johns County Utilities - accounts — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,731 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 September 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): $1,734/yr

Estimated taxes if purchased at asking price: ~$12,400/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.

History

Price & status history

Sep 24, 2026Active$779,000
Sep 16, 2026Listed$779,000

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

Features

Price$779,000

Price / Sq Ft$233

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage3,342

Acres0.34 acres

Year Built2005

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolYes

Pool FeaturesIn Ground, Heated, Salt Water, Screen Enclosure, Solar Heat, Waterfall

Is WaterfrontNo

Gated CommunityYes

School Information

ElementaryWards Creek

MiddlePacetti Bay

HighTocoi Creek

Community Information

Address3112 Trout Creek Court, St. Augustine, FL 32092

Area309-World Golf Village Area-West

SubdivisionWgv Heritage Landing

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32092

Lot Size14,810.4 sq ft

Parcel Number2881060940

Amenities

AmenitiesPool, Basketball Court, Children's Pool, Clubhouse, Fitness Center, Gated, Jogging Path, Management - Full Time, Park, Pickleball, Playground, RV/Boat Storage, Tennis Court(s), Water

Community FeaturesSidewalks, Suburban, Street Lights

UtilitiesCable Available, Electricity Available, Sewer Available, Water Available

SewerPublic Sewer

Water SourcePublic, Well

ParkingAttached, Garage, Garage Door Opener

ViewTrees/Woods

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Built-in Features, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, His and Hers Closets, Jack and Jill Bath, Kitchen Island, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Smart Thermostat, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Disposal, Electric Cooktop, Electric Oven, Electric Water Heater, Ice Maker, Microwave, Refrigerator, Water Softener Owned

HeatingElectric

CoolingCentral Air, Electric, Multi Units

FlooringCarpet, Tile, Wood

FireplaceYes

# of Fireplaces1

Fireplace FeaturesGas

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, In Unit, Lower Level, Washer Hookup

SecuritySecurity Gate, Security System Owned, Smoke Detector(s)

Exterior

Lot DescriptionMany Trees, Sprinklers In Front, Sprinklers In Rear

Patio / PorchCovered, Patio, Screened

FencingBack Yard, Privacy, Vinyl

RoofShingle

ConstructionFrame, Stucco

Additional Information

Date ListedSeptember 24, 2026

Days on Market0

HOA Fees$355 / Annually

HOA FrequencyAnnually

HOA Fee IncludesMaintenance Grounds

Tax Amount$1,734.06

Tax Year2025

Listing TermsCash, Conventional, FHA, VA Loan

55+ CommunityNo

New ConstructionNo

Listing Courtesy of: KELLER WILLIAMS ST JOHNS · tim@floridalocalteam.com

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 WGV Heritage Landing

WGV Heritage Landing is a neighborhood in St. Johns County, FL (St. Johns County), ZIP 32092.

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Your Local Realtor

Krista Fracke

Broker Associate

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20+ years · 500+ closings · NE Florida

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