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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·3 days on market·Trailmark

2498 Trailmark Drive

St. Augustine, FL 32092

$589,000$206/sqftEst. $3,224/moMLS# 2167002
4
Beds
3.5
Baths
2,860
Sq Ft
2024
Built
2
Garage
No
Pool

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

FEMA Zone XHOA $8/mo8,712 sqft lotWaterfrontSingle Family Residence2 stories

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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

About this home

Trailmark

Pond views, designer upgrades, and inviting outdoor living set this TrailMark home apart! Built in 2024, this Richmond American Dalton offers 2,860 SF, 4 bedrooms and 3.5 baths, with 3 bedrooms on the main level and a private upstairs 4th bedroom/bonus room with full bath and closet. The bright, open living space features a custom wood-slat accent wall and expansive sliders framing serene pond views. The gourmet kitchen boasts quartz countertops, an oversized island, gas cooktop and built-in appliances. The spacious primary suite features custom trim detailing, an oversized shower and impressive custom California Closet system. A dedicated office/flex space showcases a striking geometric green accent wall. Step outside to a newly added paver patio with built-in seating and fire pit overlooking the water, perfect for entertaining or relaxing under the Florida sky. Enjoy TrailMark's resort-style pools, fitness center, scenic trails, parks, kayak launch and more!

Cost to own

True monthly cost

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

Principal & interest20% down · 7.28% · 30yr$3,224
Property taxesest. at asking price, St. Johns County$784
HOAbilled annually$8
Estimated total, before insurance$4,016/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$9,609/yr · $801/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

$589,000
$117,800
Loan Term
Monthly Payment
$3,224
Principal & Interest: $3,224
Property taxes (est.): $784
Insurance (est.): $393
Estimated Total Monthly
$4,400
*30-year loan at 7.28% APR (avg 30-yr rate 2026-10-01, 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 F

Zone F evacuates after zones A, B, C, D, E in an approaching storm.

Roof: Shingle — year not disclosed (home built 2024)

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

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

YearMarket valueTaxable valueChange
2025$477,757$477,757—

2025 property taxes (current owner): $9,609/yr

Estimated taxes if purchased at asking price: ~$9,400/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 (2025), NEFMLS.

History

Price & status history

  • Oct 1, 2026Active$589,000
  • Sep 29, 2026Listed$589,000

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

Features

Price$589,000
Price / Sq Ft$206
Bedrooms4
Bathrooms3.50
Full Baths3
Half Baths1
Square Footage2,860
Acres0.20 acres
Year Built2024
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontYes

Community Information

Address2498 Trailmark Drive, St. Augustine, FL 32092
Area309-World Golf Village Area-West
SubdivisionTrailmark
CitySt. Augustine
CountySt. Johns
StateFL
Zip Code32092
Lot Size8,712 sq ft
Parcel Number0290151350

Amenities

AmenitiesPool, Basketball Court, Clubhouse, Fitness Center, Management - Off Site, Park, Pickleball, Tennis Court(s)
UtilitiesElectricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage
ViewPond
Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Pantry, Primary Bathroom - Shower No Tub, Primary Downstairs, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Gas Range, Microwave, Refrigerator, Tankless Water Heater
HeatingCentral
CoolingCentral Air
FlooringCarpet, Tile
# of Stories2
LevelsTwo
LaundryIn Unit, Lower Level, Sink
SecuritySmoke Detector(s)

Exterior

Exterior FeaturesFire Pit
Lot DescriptionFew Trees, Sprinklers In Front
Patio / PorchCovered, Rear Porch
RoofShingle
ConstructionComposition Siding
Road SurfacePaved

Additional Information

Date ListedOctober 1, 2026
Days on Market0
HOA Fees$100 / Annually
HOA FrequencyAnnually
HOA NameWestwind Management Group
Tax Amount$9,609.13
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: LPT REALTY 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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