98 Ferndale Way, FL98 Ferndale Way, FL98 Ferndale Way, FL
Stellar MLS
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$419,900

98 Ferndale Way

St Augustine, FL 32092

Listing updated: August 1, 2026 at 6:51 AM ET

Active
Stellar MLSListing courtesy of Sellstate Next Generation Realty · Kimberly Morris · MLS #OM729508 · Active · 352-387-2383
3
Beds
2
Baths
1,908
Sq Ft
0.14
Acres
2020
Built
WaterfrontWater access$220/sqft
Single Family Residence

Property type

2020

Year built

6,098 sqft

Lot size

$220

Price / sq ft

$8/mo

HOA dues

1

Day on market

2

Garage spaces

X

Flood zone

About this home

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.

Estimated monthly payment

Principal & interest$2,123
Property taxes$587
Home insurance (est.)$192
HOA dues$8

Estimate only. Taxes use the listing's reported amount where available; insurance is a Florida-average estimate. Your actual payment will vary — run a full calculation or talk to a lender.

Price & listing history1 days on market

  1. Status: Active
    Jul 31, 2026
  2. Listed$419,900
    Jul 31, 2026
  3. Price increased$419,900

Facts & features

Property type
Residential
Sub type
Single Family Residence
Status
Active
Days on market
1
Subdivision
Whisper Crk Ph 8
County
St Johns
Year built
2020
Living area
1,908 sq ft
Price/sq ft
$220
Building area
2,885 sq ft (Public Records)
Lot size
6,098 sq ft
Lot category
0 to less than 1/4
Flood zone
X (12109C0267J)
Garage
2 spaces
Annual taxes
$7,042 (2025)
Parcel #
029011-7290
Zoning
R
MLS #
OM729508

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Interior Details

Bedrooms
3
Full bathrooms
2
Flooring
Carpet, Luxury Vinyl
Appliances
Tankless Water Heater
Interior features
Ceiling Fans(s), Eat-in Kitchen, High Ceilings, Living Room/Dining Room Combo, Open Floorplan, Split Bedroom, Walk-In Closet(s)
Laundry
Electric Dryer Hookup, Gas Dryer Hookup, Inside, Laundry Room, Washer Hookup
Stories / Levels
One
Direction faces
Northwest

Heating & Cooling

Heating
Central, Electric
Cooling
Central Air

Parking

Garage spaces
2
Attached garage
Yes

HOA & Financial

HOA fee
$100 / Annually
Monthly HOA
$8/mo
Total monthly fees
$8/mo
Total annual fees
$100
HOA name
Kevin Lesh
CDD
Yes
Homestead exemption
Yes
Listing terms
Cash, Conventional, FHA, VA Loan
Ownership
Fee Simple
Available for lease
No

Exterior & Construction

Exterior features
Permeable Paving, Sidewalk
Construction materials
HardiPlank Type
Roof
Shingle
Foundation
Slab
Waterfront
Yes
Water access
Yes
Water view
Yes
Road surface
Asphalt

Utilities

Sewer
Public Sewer
Water source
Public
Utilities
Cable Available

Community

Pets allowed
Yes

Schools

MiddlePacetti Bay MiddleGreatSchools ↗
High SchoolTocoi Creek High SchoolGreatSchools ↗

Letter grades: Florida DOE 2024–25 school grades (Orange, Seminole, Lake, Osceola, Brevard). Assigned schools from the listing agent — verify enrollment with the district.

Room Details

RoomLevelDimensions
Living RoomFirst
KitchenFirst
Primary BedroomFirst
Primary BathroomFirst
Bedroom 2First
Bedroom 3First
Bathroom 2First
LaundryFirst
Dining RoomFirst

Listing Details

Listing date
2026-07-28
On market date
2026-07-31
Original list price
$419,900
Occupant type
Owner
MLS area
32092 - Saint Augustine
Listing AOR
Ocala - Marion
Status changed
2026-07-31
Tax legal description
92/37-45 WHISPER CREEK PHASE 8 LOT 729 OR5973/585

Flood risk

Minimal riskFEMA Zone XPanel 12109C0267J

Minimal-risk area outside the mapped floodplain. Flood insurance is optional and typically low-cost.

Source: FEMA flood zone reported on the listing. Confirm current designation at FEMA Flood Map Service Center.

Location

Directions

From I-95, take exit 323. travel west on International Golf Pkwy - approx 2.1 miles through SR 16, then right on Pacetti for another 2.6 miles to Trailmark. Take Trailmark Dr to Ferndale Dr. Home will be on your right.

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Listings courtesy of Stellar MLS as distributed by MLS GRID

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.

Based on information submitted to the MLS GRID as of August 1, 2026 at 6:51 AM ET. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.

All or a portion of the multiple listing information is provided by Stellar MLS, from a copyrighted compilation of listings. The compilation of listings and each individual listing are © 2026 Stellar MLS. All rights reserved.

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