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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 home near Tocoi Creek High School.

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Active

Active·Listed today·Trailmark

52 Providence Drive

St. Augustine, FL 32092

$469,000$197/sqftEst. $2,598/moMLS# 2166417
Open house Sat, Oct 10 · 10:00 am–12:00 pm
4
Beds
3
Baths
2,383
Sq Ft
2017
Built
3
Garage
No
Pool

36 more homes for sale in Trailmark →Search Trailmark on the map

FEMA Zone XHOA $8/mo15,246 sqft lotSingle Family Residence1 story

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Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.

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

PROFESSIONAL PHOTOS WERE DELAYED DUE TO WEATHER BUT ARE COMING SOON! Welcome home to this beautifully upgraded Destin floor plan in the sought-after TrailMark community! Offering 4 bedrooms, 3 baths and an oversized 3-car garage, this thoughtfully designed home on a .35 acre lot provides plenty of space to live and entertain. Natural light pours through large windows, highlighting the open layout, wood-look tile and tray ceilings throughout the main living areas. The gourmet kitchen is made for everyday living and entertaining with an oversized prep and breakfast island, generous counter space, double ovens, gas cooktop and sleek subway tile backsplash. The split-bedroom design creates a private primary retreat complete with a walk-in closet and spacious ensuite featuring a soaking tub and seamless glass shower. Out back, unwind on the screened patio overlooking the large fenced backyard with plenty of room to add a pool, create an outdoor entertaining space

Cost to own

True monthly cost

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

Principal & interest20% down · 7.4% · 30yr$2,598
Property taxesest. at asking price, St. Johns County$624
HOAbilled annually$8
Estimated total, before insurance$3,230/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$7,939/yr · $662/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

$469,000
$93,800
Loan Term
Monthly Payment
$2,598
Principal & Interest: $2,598
Property taxes (est.): $624
Insurance (est.): $313
Estimated Total Monthly
$3,535
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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 — year not disclosed (home built 2017)

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

Solar potential: ~1,753 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 October 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): $7,939/yr

Estimated taxes if purchased at asking price: ~$7,500/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

  • Oct 9, 2026Active$469,000
  • Sep 23, 2026Listed$469,000

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

Features

Price$469,000
Price / Sq Ft$197
Bedrooms4
Bathrooms3.00
Full Baths3
Square Footage2,383
Acres0.35 acres
Year Built2017
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
StatusActive
# of Garages3
Has PoolNo
Is WaterfrontNo

School Information

Community Information

Address52 Providence Drive, St. Augustine, FL 32092
Area309-World Golf Village Area-West
SubdivisionTrailmark
CitySt. Augustine
CountySt. Johns
StateFL
Zip Code32092
Lot Size15,246 sq ft
Parcel Number0290110420
ZoningResidential

Amenities

AmenitiesPool, Other, Clubhouse, Fitness Center, Jogging Path, Playground
Community FeaturesSidewalks, Street Lights, Curbs
UtilitiesElectricity Available, Natural Gas Available, Sewer Available, Water Available
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage, Garage Door Opener

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Walk-In Closet(s), Other
AppliancesOther, Dishwasher, Disposal, Gas Range, Gas Water Heater, Microwave, Refrigerator, Water Softener Owned
HeatingCentral
CoolingCentral Air
FlooringCarpet, Tile
# of Stories1
LevelsOne
SecuritySmoke Detector(s)

Exterior

Patio / PorchFront Porch, Patio
FencingFenced, Back Yard
RoofShingle
Road SurfaceAsphalt

Additional Information

Date ListedOctober 9, 2026
Days on Market0
HOA Fees$100 / Annually
HOA FrequencyAnnually
HOA NameTrailmark HOA
Tax Amount$7,939.3
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: REAL BROKER LLC

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

Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.

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20+ years · 500+ closings · NE Florida

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Open Houses

10/10/2026

10:00 am - 12:00 pm