3431 Red Cloud Trail, St. Augustine, FL 32086
Sources: realMLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes
As of October 4, 2026, 3431 RED CLOUD Trail in Prairie Creek, St. Augustine is listed at $849,900 (3,100 sq ft, about $274 per sq ft). That is 17% above Prairie Creek's median closed sale of $725,000 over the last 12 months (3 recorded sales). It has been 64 days on market. Listing facts: built in 1981, a private pool, HOA dues of $170/mo. The parcel maps to FEMA flood zone X, outside the special flood hazard area. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
- No CDD assessment on record
- Built 1981 · 45 yrs
- 3,100 sq ft of living area
- 2-car garage
- 64 days on market
- HOA $170/mo (per listing)
About this home
Discover the perfect blend of space, comfort, and privacy in this 4-bedroom, 3.5-bathroom pool home nestled on a beautifully wooded over 1-acre homesite in the desirable gated Prairie Creek community. Backing to a protected conservation area, this property offers a peaceful setting with scenic natural views and frequent visits from local wildlife, including deer and gopher tortoises. A newer roof (approximately 4.5 years old) adds peace of mind.
A generous covered front porch welcomes you inside, where hardwood and tile flooring span the main level, with tile throughout most of the living spaces. The spacious sitting room with a cozy fireplace creates an inviting first impression, while the adjacent dining area overlooks the screened patio and pool, offering a wonderful setting for everyday meals and entertaining. The kitchen features stainless steel appliances, abundant cabinet space, and easy access to the mudroom, half bathroom, and main-level laundry room.
A second oversized living room offers even more room to gather, complete with a fireplace and built-in shelving. The split-bedroom layout includes a spacious primary suite on the main level with an ensuite bathroom, while upstairs you'll find a second primary suite with its own ensuite bathroom and peaceful backyard views. Two additional bedrooms share a full bathroom upstairs.
Enjoy Florida living year-round from the expansive screened lanai that opens to a large screened patio with a pool and spa, all overlooking the sprawling backyard and protected conservation beyond. An attached 2-car garage provides added convenience. With generous indoor and outdoor living spaces, a private wooded setting, and abundant natural beauty, this Prairie Creek home is a rare opportunity.
All 42 photos
Description provided by REDFIN CORPORATION and reproduced from the MLS; not independently verified.
Every fact, sourced
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
Public records & third-party data
Calculated estimates
Buyer should verify Buyer verify
Estimated monthly payment
- Principal & interest $4,652/mo 75%
- Taxes $898/mo 15%
- Insurance $461/mo 7%
- HOA $170/mo 3%
$6,181/mo at 20% down, 30-yr @ 7.28% · edit any field to update.
Editable estimate — not a loan offer. Estimates only; see data & estimate notes.
Property taxes
✓ Certified county tax rollProperty taxes in Florida are reassessed after a sale, so a buyer’s first full-year bill can be higher than the seller’s. Budget from this estimate, not the current bill, before you make an offer.
Most of this comes from Florida’s Save Our Homes assessment cap resetting when the home sells — the current owner’s protected assessment does not transfer to a new buyer.
Certified 2025 tax roll values for this parcel (Florida DOR). The roll gives values, not the bill; the current owner’s bill above is estimated from the taxable value.
Estimate my property taxes →Adjust for your exemptions, portability, and down payment
Sources: Florida DOR certified tax roll (2025), realMLS; millage: St. Johns County Property Appraiser, FY2025-26 adopted budget. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill; the county property appraiser and tax collector set the actual amount.
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
From the FEMA National Flood Hazard Layer. In this zone lender-required flood insurance is generally not mandated; confirm for the parcel.
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
St. Johns County is on the Florida coast; wind coverage is a major part of the premium. Premiums and coverage vary by home (roof age, wind mitigation, claims history); obtain a quote from a licensed insurer.
Natural hazard risk
FEMA National Risk Index for St. Johns County, FL: overall Relatively Moderate. Ratings compare this county with every county in the United States for expected annual loss from each hazard.
Source: FEMA National Risk Index (county level, hazard risk ratings only). Ratings describe the county, not this parcel; the flood zone shown above is parcel-specific. Verify insurance requirements with your lender and agent.
Internet & broadband
Address-level fiber service is not confirmed for this home. Check the FCC National Broadband Map (broadbandmap.fcc.gov) or the provider for this address.
Cable broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
5G home internet and satellite service depend on the exact location; check coverage for this address.
Pricing & the Prairie Creek market
How this home is priced against recent nearby sales, and where Prairie Creek has been over 25 years. Momentum Research analysis of realMLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.
This home’s $/sq ft vs. nearby sales
List $/sq ft against recent nearby closed sales; the community median is marked.
Price vs. size in Prairie Creek
Each dot is a closed sale since 2001 (78 total). This home is the gold marker.
Sale price (y) by living area in sq ft (x). realMLS closed sales.
Median $/sq ft by year
Community sold $/sq ft, 2012–2026. This home lists at $274/sq ft.
Median sale price by year
12-month median closed price, 2012–2026.
Market Heat by year (0–100)
Momentum Market Heat, 2016–2026. Now 53 (normal).
This home’s history
- 1981BuiltPer public record
- About Aug 2026Listed (per MLS)MLS reports 64 cumulative days on market as of October 4, 2026
- Aug 4, 2026First seen on movewithmomentum.comObserved at $875,000
- Aug 25, 2026Price cut$860,000 (-$15,000, -1.7%)
- Sep 16, 2026Price cut$849,900 (-$10,100, -1.2%)
- NowActiveCurrently for sale
Build year is from public record. The MLS list date is approximate (today minus the cumulative days on market the MLS reports, which can span relistings). Other milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Price & listing history
Building permits
Comparable recent sales
Only 2 closed sales within about 10 miles in St. Johns County in the last 18 months matched this home’s type and size. Fewer than 3 is too few for a median, so none is shown.
Limited comparable data: these sales are listed for reference only. A licensed agent can prepare a property-specific comparative market analysis. Sold prices are MLS closed-sale records, deemed reliable but not guaranteed.
The Messtimate
Insufficient local evidence for an automated estimate. The Messtimate is a deliberately simple range — living area × recent closed-sale $/sq ft from comparable homes nearby — and it only renders when at least 3 defensible sales exist within about 10 miles in St. Johns County in the last 18 months. Only 2 qualify for this home, so no dollar range is shown. It is not an appraisal or a valuation.
Methodology: the range would be 3,100 sq ft × the interquartile $/sq ft of comparable closed sales (same property type, living area within 30%, closed within 18 months, nearest verified subdivision, 3-mile, then 10-mile same-county stage). Estimate for general information only; never an appraisal, valuation, or offer. Updated October 4, 2026.
Momentum Property Score
52/100 is below average across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.
A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.
Coverage: 7 of 8 indicators had valid data for this home; indicators without data are left out, not scored as zero. Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent comparable sales. They do not measure property condition, quality, or investment suitability, and they are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
The Momentum read
🟢 Buyer-leaning conditions around this listing. 12.0 months of supply in the surrounding market and 64 days on market for this home, against a 89-day area median.Days on market:this home 64Area median: 89 daysWhy it matters: above-median time on market, together with the level of supply, is a clear sign of how much leverage sits with buyers.Momentum Research interpretation of the MLS facts in the snapshot above. Source: Data provided by realMLS. As of October 1, 2026.
🟡 Asking $274 per square foot, about 7% below the community’s $295 median. Prairie Creek’s 12-month median sold price per square foot is $295. Median sold price per square foot is up 11.5% year over year. Confidence: Low · 3 closed sales in 12 monthsMLS facts: realMLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
82% of homes in Prairie Creek are owner-occupied. An estimated 18% are non-owner-occupied, including 8% held in a company or trust and 3% out-of-state owners.Why it matters: a high owner-occupied share typically means fewer rentals nearby and steadier resale demand.Source: Florida Department of Revenue 2025 assessment roll (public records), 123 homes matched. Community-level context.
Recent Prairie Creek sales closed near 96.7% of original asking.Why it matters: the community’s own record shows how far opening prices typically move, and how often buyers compete without financing.Momentum Research analysis of realMLS records, community-level, 12 months ending October 1, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 3 active listings in Prairie Creek, no CDD assessment.
Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ
Updated October 4, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Seen enough photos?
Want to see 3431 RED CLOUD Trail?
Tell us when works for you and a local agent will reach out to arrange a showing and answer your questions about this home.
Listed by REDFIN CORPORATION · MLS # 2157904
Request a showing
Similar homes for sale near Prairie Creek
Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.
Newest listings in St. Augustine
- 1710 Prestwick Place, St. Augustine · $325,000 · 3 bd / 2.0 ba · listed October 4, 2026 (courtesy of FLUID REALTY, LLC.)
- 249 Twilight Lane, St. Augustine · $624,700 · 4 bd / 3.0 ba · listed October 3, 2026 (courtesy of THE LEGENDS OF REAL ESTATE)
- 31 Hubbard Bend, St. Augustine · $319,990 · 3 bd / 2.5 ba · listed October 3, 2026 (courtesy of LENNAR REALTY INC)
- 43 Hubbard Bend, St. Augustine · $319,990 · 3 bd / 2.5 ba · listed October 3, 2026 (courtesy of LENNAR REALTY INC)
- 7137 Middleton Avenue, St. Augustine · $995,000 · 2 bd / 1.5 ba · listed October 3, 2026 (courtesy of CENTURY 21 BECKHAM REALTY)
- 239 Cornell Road, St. Augustine · $379,000 · 3 bd / 2.0 ba · listed October 3, 2026 (courtesy of COLDWELL BANKER PREMIER PROPERTIES)
Recently off market in Prairie Creek
- 3657 Lone Wolf Trail · last listed $735,000 · 2026-09-12
- 3589 Red Cloud Trail · last listed $545,000 · 2026-09-12
- 3550 Lone Wolf Trail · last listed $725,000 · 2026-09-12
Just listed: new homes for sale in Northeast Florida in the last 48 hours · updated hourly · RSS · Northeast Florida market today: new listings, price cuts, pendings
More on Prairie Creek
Go deeper on Prairie Creek
See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.
Assigned schools
Schools currently assigned to this address in St. Johns County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Buyer research checklist
Items worth confirming for 3431 RED CLOUD Trail, chosen from what the record shows. This is general guidance, not advice about this specific property.
- Built in 1981 (45 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
- HOA dues are listed at $170/mo: request the current budget, reserves, and rules before relying on that figure or on any restriction.
- FEMA flood zone X: flood insurance is not usually required, but get a quote anyway — FEMA reports roughly one in four flood claims come from outside high-risk zones.
- Get a homeowners insurance quote for this specific address in St. Johns County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
- Private pool: confirm the barrier or alarm meets the state residential pool safety code and ask for pump, heater, and resurfacing records.
- Listed living area is 3,100 sq ft: verify it against the property appraiser's record and measure before relying on it.
- Order a survey to confirm lot boundaries and easements.
- Review permit history with the county.
- Property taxes: the estimate on this page (about $10,775/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $7,550 more per year than the current owner’s estimated bill (+234%). Exemptions and portability change the actual bill — confirm with the county property appraiser.
- Confirm school zoning directly with the district.
Data sources & freshness
| Listing record | realMLS, refreshed hourly (last: October 4, 2026) |
| Comparable sales | Fewer than 3 defensible closed sales within about 10 miles in St. Johns County — no medians or automated estimate shown |
| Flood zone & elevation | FEMA flood maps + USGS elevation (Zone X shown above) |
| Taxes & monthly cost | Certified county tax roll (parcel-matched) × county millage; an estimate, not a bill |
| Insurance figure | Modeled estimate; obtain a real quote before offering |
| Schools | 2025-26 district assignments; verify with the district |
Momentum Research lines are our own analysis of realMLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Frequently asked questions
How big is 3431 RED CLOUD Trail and when was it built?
Per the listing record, 3431 RED CLOUD Trail was built in 1981 and has 3,100 sq ft of living area, 4 bedrooms and 3.5 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 3431 RED CLOUD Trail in?
3431 RED CLOUD Trail is in Prairie Creek in St. Augustine, St. Johns County. Too few comparable closed sales exist nearby for this page to show local sales statistics; a licensed agent can prepare a comparative market analysis.
Does 3431 RED CLOUD Trail have an HOA, and how much are the dues?
The listing reports HOA dues of $170 per month. Dues, what they cover, and the community's rules should be confirmed from the association's current documents before relying on them.
Why might property taxes on 3431 RED CLOUD Trail differ from the current owner's?
The estimate on this page (about $10,775 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $7,550 more per year than the current owner’s estimated bill (+234%). Florida reassesses a home after it sells; for a homesteaded seller the Save Our Homes cap on their assessment does not transfer, and a buyer's own exemptions and portability are applied separately, so the two bills usually differ. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 3431 RED CLOUD Trail in a flood zone?
The FEMA flood map places this parcel in Zone X, outside the special flood hazard area, so flood insurance is not usually required by a lender. It is still available and worth quoting; confirm the parcel's status with FEMA and your insurer.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
See 3431 RED CLOUD Trail in person
Private tours available 7 days a week, in person or by live video walkthrough. Request a tour or send a question and a licensed Momentum Realty agent will follow up.
Momentum Realty · licensed in FL & GA
Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply county millage to the list price (less the homestead exemption where the parcel is matched to the certified roll) and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.
Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email and we will review and correct or remove it promptly.
Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.
No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.
MLS / IDX. The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange (IDX) program of the Northeast Florida Multiple Listing Service, Inc. Real estate listings held by brokerage firms other than Momentum Realty are marked with the listing broker's name, and detailed information about such listings includes the name of the listing broker. Data provided is deemed reliable but is not guaranteed. The information being provided is 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. Source: realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.
Listing data is deemed reliable but is not guaranteed and is subject to change or withdrawal without notice. Square footage and lot size are approximate. Real estate brokerage services provided by Momentum Realty, licensed in Florida and Georgia. © 2026 Move With Momentum LLC.