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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in Glen St Johns, St. Augustine a waterfront home in St. Johns County.

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Active

Active·Listed today·Glen St Johns

645 Trellis Bay Drive

St. Augustine, FL 32092

$519,000$198/sqftEst. $2,748/moMLS# 2165234
5
Beds
4
Baths
2,616
Sq Ft
2017
Built
2
Garage
No
Pool

About this home

Glen St Johns

Five bedrooms, FOUR full baths, a secluded lot, and NO CDD BOND; a combination the rest of Glen St. Johns can't match. This 2017-built, 2,616 sf home backs to water and faces protected green space with no homes directly across the street. Inside: engineered hardwood, designer lighting, and a gourmet kitchen with a large quartz island, white cabinetry with crown molding, double ovens, and a new cooktop, range hood, and refrigerator. The primary suite is DOWNSTAIRS with tray ceiling, dual vanities, upgraded tiled shower, and garden tub. Three more bedrooms down, one with a full en-suite, plus an upstairs loft AND a fifth bedroom with a fourth full bath. Glass French doors open to an extended screened lanai overlooking the water and a fully fenced backyard with room for a pool. NEW smart hybrid HVAC with UV lighting (2025), NEW water heater (2025), and a new garage door motor. Glen St Johns amenities include pool, fitness center, playground, and walking path! Zoned Liberty Pines Academy

Cost to own

Mortgage calculator

$519,000
$103,800
Loan Term
Monthly Payment
$2,748
Principal & Interest: $2,748
Property taxes (est.): $691
Insurance (est.): $346
Estimated Total Monthly
$3,785
*30-year loan at 6.95% APR (avg 30-yr rate 2026-09-17, 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 · 6.95% · 30yr$2,748
Property taxesest. at asking price, St. Johns County$691
HOAbilled quarterly$12
Estimated total, before insurance$3,451/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$7,391/yr · $616/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): $7,391/yr

Estimated taxes if purchased at asking price: ~$8,300/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.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — year not disclosed (home built 2017)

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

Solar potential: ~1,765 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

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

  • Sep 17, 2026Listed$519,000

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

Features

Price$519,000
Price / Sq Ft$198
Bedrooms5
Bathrooms4.00
Full Baths4
Square Footage2,616
Acres0.20 acres
Year Built2017
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
Property ConditionUpdated/Remodeled
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontYes

School Information

Community Information

Address645 Trellis Bay Drive, St. Augustine, FL 32092
Area304- 210 South
SubdivisionGlen St Johns
CitySt. Augustine
CountySt. Johns
StateFL
Zip Code32092
Lot Size8,712 sq ft
Parcel Number0265513860

Amenities

AmenitiesPool, Clubhouse, Jogging Path, Park, Playground
UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage
ViewPond, Water
Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Entrance Foyer, Guest Suite, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Double Oven, Dryer, Electric Cooktop, Electric Oven, Microwave, Refrigerator, Washer
HeatingCentral, Electric, Heat Pump
CoolingCentral Air, Electric
FlooringTile
# of Stories2
LevelsTwo
LaundryIn Unit, Lower Level

Exterior

Lot DescriptionIrregular Lot
Patio / PorchRear Porch, Screened
FencingFenced, Back Yard, Full, Vinyl, Wrought Iron
RoofShingle
ConstructionFiber Cement, Frame
Road SurfaceAsphalt, Paved

Additional Information

Date ListedSeptember 17, 2026
Days on Market0
HOA Fees$36.57 / Quarterly
HOA FrequencyQuarterly
Tax Amount$7,391.36
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

The neighborhood

About Glen St Johns

Glen St Johns is a neighborhood in St. Johns County, FL (St. Johns County), ZIP 32092.

View all Glen St Johns homes for sale →

Listing Courtesy of: CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST

Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

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20+ years · 500+ closings · NE Florida

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