98 FERNDALE WAY, ST AUGUSTINE, FL, 32092
Active0 days on marketListed Jul 31, 2026MLS #OM729508
About this home
98 FERNDALE WAY
Welcome to this move-in ready 2022-built lakefront home in the highly desirable Trailmark subdivision of St. Augustine, FL! Featuring 3 bedrooms and 2 bathrooms, this beautifully upgraded home offers modern comfort, stylish finishes, peaceful lake views, and thoughtful details throughout. Step inside to high ceilings, luxury vinyl plank flooring throughout the main living areas, and neutral carpet in the bedrooms for added comfort. The open-concept layout is bright and inviting, with large clear sliding glass doors that showcase beautiful lake views from inside the home and create a seamless connection to the outdoor living spaces. The kitchen is a true standout with all-new stainless steel appliances, a gas range, gorgeous granite countertops, and a large kitchen island with bar seating—perfect for cooking, dining, entertaining, or gathering with family and friends. You’ll also love the separate cabinet and coffee bar area, complete with an outlet for all your kitchen essentials, plus a great dedicated space for an electronic calendar, small TV, or command center. A walk-in pantry provides plenty of storage and convenience. The spacious primary bedroom features a beautiful accent wall and a large bay window that perfectly frames the peaceful lake view, creating a relaxing retreat at the end of the day. The primary bathroom offers two walk-in closets, a separate linen closet, a large walk-in shower, and beautiful new fixtures for a fresh, modern feel. Additional upgrades include a tankless water heater, water softener, and a designated drop zone just inside the garage entry—ideal for jackets, shoes, books, keys, pet accessories, and everyday essentials.Outside, enjoy the best of Florida coastal living with established young Queen Palms, front and back sprinklers, a screened porch, an additional open covered porch area, and an open brick-paver patio—perfect for grilling, relaxing by a firepit, or entertaining guests. The backyard is fenced with wrought iron fencing and multiple gates, allowing you to enjoy the beautiful open lake views while helping keep your little ones and pets safely contained. The spacious 2-car garage provides plenty of room for parking and storage, while the ample driveway offers convenient additional parking for guests. Trailmark offers a multitude of impressive neighborhood amenities, all for a very low annual HOA fee! Residents enjoy an expansive resort-style pool, lap pool, Camp House, fitness center, sand volleyball, basketball and pickleball courts, playground, kayak launch, dog park, and scenic walking trails—creating the perfect blend of recreation, relaxation, and community living. With its lakefront setting, newer construction, upgraded features, outdoor living spaces, exceptional neighborhood amenities, and ideal location in Trailmark, this home is ready for you to move right in and enjoy the best of St. Augustine living.
Facts & features
The home at a glance
3
Bedrooms
2
Bathrooms
1,908
Sqft
0.14 ac
Lot size
2
Garage
2020
Year built
One
Levels
$220
Per sqft
Inside
Outside & construction
Community & fees
Utilities & systems
The numbers
What it really costs
Built from this home's actual numbers — the most recent property-tax bill on record and the real association fee — not generic estimates.
$3,412 /mo · 3.5% down FHA, 30-yr fixed at 6%
The assumptions
FHA is the default here because it gets you in the door with just 3.5% down. Switch to Conventional or VA below.
These numbers assume a generic buyer — your credit, down payment and loan program change them. Get the real quote in minutes:
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Run your own numbers
Estimated payment
$3,412/mo
Includes FHA mortgage insurance and the financed 1.75% upfront premium. Taxes reflect the most recent bill on record; insurance is a typical-Florida estimate. Your lender’s numbers will differ. CENTURY 21 Edge partners with Florida’s best lenders.
Value check
Is the price right?
The internet’s favorite home-value number comes from a single automated model that has never seen the street, the finishes, or the view — which is why it routinely misses by tens of thousands of dollars. The edgeAI estimate combines multiple independent data sources with our team’s on-the-ground expertise in this exact market.
vs edgeAI estimate
−2.8%
Days on market
0 vs 39 typical
The edgeAI estimate is a starting point, not an appraisal or a broker price opinion. It is generated from public records, listing data and market modeling, and is subject to change once a licensed real estate professional personally inspects the property. Condition, floor, view and lot are not fully captured by any model — ask us for a full comparative market analysis.
Where it sits
Inside Trailmark
Get to know St Augustine. See the full St Augustine guide →
Trailmark — neighborhood snapshot
Population
1,245
Median age
37
Median income
$151,277
Median home value
$497,970
Avg household
3
Households w/ children
281
For the school run
St. Johns County School District
School assignments and ratings via edgeAI — always verify with the district.
The numbers that matter
The St Augustine market
$450K → $400K
St Augustine median sold, yr/yr
96.9%
Sale-to-list ratio (12 mo)
Median sold price, St Augustine, trailing 36 months (3-month rolling) · live MLS data.
This home is listed 13% below the ST AUGUSTINE 32092 median. See the full St Augustine market guide →
Paper trail
This home's history
Your home team
The pros in your corner
Buying a home is two conversations — the home and the money. Here’s who handles each, side by side, already working together.
Your agent
Sean Riebau
REALTOR® · CENTURY 21 Edge
Tours, negotiation, and every question about 98 FERNDALE WAY — start here.
Your lender
Andrew Acosta
Acosta Home Loans with PRMG · NMLS #1468866
Pre-approval, rates, and the real monthly number for 98 FERNDALE WAY — before you fall in love.
See it in person
Schedule a tour
Pick a day that works — this goes straight to Sean's phone and CRM.
Straight answers
98 FERNDALE WAY FAQs
What would the monthly payment be for 98 FERNDALE WAY?+
With 3.5% down on a 30-year FHA loan at 6%, the all-in payment lands around $3,412/mo — principal and interest, the actual property-tax bill, the $8/mo association fee and typical Florida insurance. The payment calculator on this page lets you switch loan type (FHA, Conventional, VA) and adjust the down payment, rate and term.
How much are the HOA fees at 98 FERNDALE WAY?+
The association fee works out to $8 per month. Ask us for the full association documents — they spell out exactly what the fee covers.
What are the property taxes on 98 FERNDALE WAY?+
The most recent tax bill on record (2025) was $7,042. A new owner's bill can differ once the sale price resets the assessed value — we can walk you through what to expect.
Are pets allowed at 98 FERNDALE WAY?+
The listing reports pets: Yes. Communities often layer on breed or weight rules — we'll verify the specifics with the association before you commit.
How does the price compare to other homes in St Augustine?+
At $419,900, this home is listed about 5% below the St Augustine median of $439,900. The market section on this page shows how the area is trending.
Which schools are assigned to 98 FERNDALE WAY?+
Picolata Crossing Elementary School (elementary), Pacetti Bay Middle School (middle), Tocoi Creek High School (high), First Coast Technical College (high), Mky- Head Start /Dpp Pk School () — St. Johns County School District. Always verify school assignments with the district before relying on them.
The brief
Four things that matter here
01Under the ST AUGUSTINE 32092 market on paper
$419,900 is 13% below the ST AUGUSTINE 32092 median of $479,990, and at $220/sqft it sits under the St Augustine average of $309.
02Waterfront living
This home sits directly on the water — the single scarcest feature in Florida inventory and the strongest long-term value anchor.
03Fresh on the market
Listed today in a St Augustine market that averages 39 — if it fits, move quickly.
04Strong assigned schools
Picolata Crossing Elementary School, Pacetti Bay Middle School, Tocoi Creek High School, First Coast Technical College, Mky- Head Start /Dpp Pk School — Picolata Crossing Elementary School rates 4 of 5. Always verify assignments with the district.
Listing courtesy of SELLSTATE NEXT GENERATION REALTY · Kimberly Morris. MLS #OM729508.
IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed accurate by Stellar MLS.
Never miss a listing
New St Augustine homes, in your inbox
Like 98 FERNDALE WAY but not quite? A daily digest of every new listing in St Augustine — straight from the MLS, hours after it goes live. Unsubscribe anytime.
Just watching this one home? Ask Sean to ping you on any price or status change →