This home is in Trailmark, St. Augustine — a waterfront home in St. Johns County.
$495,0004 bd · 3 ba · 2,498 sq ft
Active·50 days on market·Trailmark
324 Ferndale Way
St. Augustine, FL 32092
38 more homes for sale in Trailmark →Search Trailmark on the map
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Call (904) 709-7917 Text Krista
Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Trailmark
ASSUMABLE LOAN!!!! Seller offering a 2-1 Interest rate buydown. Paver patio, gas fire pit, new air conditioner, and fully fenced-in yard highlight this stunning 4-bedroom, 3-bath Dream Finders Vilano model, ideally positioned toward the front of highly sought-after TrailMark. Waterfront living meets modern luxury with beautiful water views, no home directly behind the property, and a desirable combination of privacy, open views, everyday convenience, and relaxed Florida living. Step inside to a thoughtfully designed two-story floor plan featuring 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 designed for both 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, upgraded kitchen faucet, and newer dishwasher.
Next steps in Trailmark
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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
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 2019)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,695 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.
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, read at the listing’s map pin or, on lots of an acre or more, across the county parcel (state cadastral). A zone shown for part of a lot may not be where the home stands. 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.
Around this address
Nearby, from public data
The closest public beach, park, water access, league fields and grocery store from this home's location.
Closest beach parking
South Ponte Vedra Recreation Area44 min drive · 24 parking spaces
Closest park or preserve
Twelve Mile Swamp Conservation Area20 min drive · 2.2 mi of trails
Closest public boat ramp
Palmo Cove Public Boat Rampabout 4 mi · St. Johns River - Palmo Cove
Closest kayak & paddleboard launch
Williams Park Canoe/Kayak Launchabout 6 mi · Saint Johns River
Closest youth league fields
Pacetti Bay School Fields8 min drive · Baseball
Closest grocery store
Publix11 min drive · 84 Tuscan Way, Saint Augustine
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.
Cost to own
Taxes & assessment
2025 property taxes (current owner): $7,566/yr
Estimated taxes if purchased at asking price: ~$7,900/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, NEFMLS.
History
Price & status history
- Nov 5, 2026Price change$495,000−$4,000
- Sep 30, 2026Price change$499,000−$8,000
- Sep 26, 2026Price change$507,000−$8,000
- Sep 19, 2026Listed$515,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Closed sales
What sold nearby
Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $227/sq ft; this home is listed at $198/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 105 Bloomfield Way, St. Augustine, FL 32092Listed by REAL BROKER LLC | Oct 2026 | $474,900 | $209 | 4/3.5 | 2,270 | 4 | 0.1 |
| 98 Ferndale Way, St. Augustine, FL 32092Listed by SELLSTATE NEXT GENERATION REALTY | Sep 2026 | $410,000 | $217 | 3/2 | 1,893 | 30 | 0.1 |
| 199 Osprey Mills Lane, St. Augustine, FL 32092Listed by 1 REALTY CORP | Sep 2026 | $498,000 | $241 | 4/3 | 2,066 | 20 | 0.2 |
| 92 Patina Place, St. Augustine, FL 32092Listed by REALTY ONE GROUP ELEVATE | Sep 2026 | $439,000 | $187 | 4/3 | 2,345 | 36 | 0.2 |
| 255 Split Oak Road, St. Augustine, FL 32092Listed by HERRON REAL ESTATE LLC | Oct 2026 | $638,000 | $228 | 4/3.5 | 2,800 | 54 | 0.3 |
| 289 Weathered Edge Drive, St. Augustine, FL 32092Listed by UNITED REAL ESTATE GALLERY | Oct 2026 | $565,000 | $227 | 4/3 | 2,491 | 83 | 0.3 |
Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.
Is this home priced right?
Ask Krista and she'll email you her read on how this price compares with recent sales nearby.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: PONTE VEDRA CLUB REALTY, INC.
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 →Keep looking
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Your Local Realtor
Krista Fracke
Broker Associate
Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.
Text Krista about this home20+ years · 500+ closings · NE Florida
Is this home priced right?
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