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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 Trailmark, St. Augustine a waterfront home in St. Johns County.

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Active

Active·Listed today·Trailmark

324 Ferndale Way

St. Augustine, FL 32092

$515,000$206/sqftEst. $2,727/moMLS# 2165573
4
Beds
3
Baths
2,498
Sq Ft
2019
Built
2
Garage
No
Pool
HOA $8/mo5,663 sqft lotWaterfrontSingle Family Residence2 stories

About this home

Trailmark

Waterfront living meets modern luxury in this stunning 4-bedroom, 3-bath Dream Finders Vilano model, ideally positioned toward the front of the highly sought-after TrailMark community! With a beautiful waterfront setting and no home directly behind it, this property offers an exceptional combination of open views, everyday convenience, and relaxed Florida living. Step inside to a thoughtfully designed two-story floor plan with luxury finishes throughout, including tile and luxury vinyl plank flooring in the main living areas, a first-floor bedroom and full bathroom, and spacious living areas perfect for everyday living and entertaining. At the heart of the home is the gourmet kitchen, featuring elegant quartz countertops, ample cabinetry, a large walk-in pantry, an upgraded kitchen faucet, and a newer dishwasher. The open-concept design flows seamlessly into the dining and living spaces, creating an ideal gathering place for guests. The home has also been thoughtfully updated

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$2,727
Property taxesest. at asking price, St. Johns County$685
HOAbilled annually$8
Estimated total, before insurance$3,421/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$7,566/yr · $630/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

$515,000
$103,000
Loan Term
Monthly Payment
$2,727
Principal & Interest: $2,727
Property taxes (est.): $685
Insurance (est.): $343
Estimated Total Monthly
$3,756
*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

Taxes & assessment

2025 property taxes (current owner): $7,566/yr

Estimated taxes if purchased at asking price: ~$8,200/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 19, 2026Listed$515,000

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

Features

Price$515,000
Price / Sq Ft$206
Bedrooms4
Bathrooms3.00
Full Baths3
Square Footage2,498
Acres0.13 acres
Year Built2019
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontYes

School Information

Community Information

Address324 Ferndale Way, St. Augustine, FL 32092
Area309-World Golf Village Area-West
SubdivisionTrailmark
CitySt. Augustine
CountySt. Johns
StateFL
Zip Code32092
Lot Size5,662.8 sq ft
Parcel Number0290117110

Amenities

UtilitiesCable Available, Natural Gas Available, Water Connected
Water SourcePublic
ParkingGarage
Waterfront TypePond

Interior

AppliancesDishwasher
HeatingCentral
CoolingCentral Air
# of Stories2
LevelsTwo

Exterior

Patio / PorchScreened

Additional Information

Date ListedSeptember 19, 2026
Days on Market0
HOA Fees$100 / Annually
HOA FrequencyAnnually
Tax Amount$7,565.53
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: PONTE VEDRA CLUB REALTY, INC. · jswearingen.realtor@gmail.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 Trailmark

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

View all Trailmark homes for sale →

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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