This home is in Bannon Lakes, St. Augustine.
Active·155 days on market·Bannon Lakes
228 River Mist Drive
St. Augustine, FL 32095
About this home
Bannon Lakes
HUGE YARD! Back on market due to Buyers financing problem. This beautiful Bannon Lakes home is located on a cul de sac and is the 2nd largest lot in the development at .29 of an acre. This highly sought after community is also known for its amazing school district. The open floor plan has all bedrooms on the main floor with a split layout. Upstairs has a loft with closet that can be used as an additional bedroom / office/ or playroom. The gourmet kitchen features a gas stove, quartz counter tops, walk in pantry and large island. The large primary bedroom has a walk in closet and primary bath with beautiful walk in shower. The generous back yard has a screened in lanai and covered patio area for plenty of entertaining room. Interior laundry includes washer / dryer and has gas and electric available. Home also features a tankless hot water heater. Come see this beautifully appointed home today
Cost to own
Mortgage calculator
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
- • 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.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $382,929 | $296,578 | — |
| 2024 | $382,589 | $287,512 | — |
| 2023 | $382,589 | $277,682 | — |
| 2022 | $328,909 | $268,138 | — |
| 2021 | $65,000 | $60,500 | — |
| 2020 | $55,000 | $55,000 | — |
2024 property taxes (current owner): $6,869/yr
Estimated taxes if purchased at asking price: ~$6,500/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 (2025), NEFMLS.
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.
Outside all hurricane evacuation zones
This location is not in a designated storm-surge evacuation zone.
Roof: Shingle — year not disclosed (home built 2021)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,784 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 homeInformational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.
History
Price & status history
- Feb 10, 2026Listed$404,950
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
The neighborhood
About Bannon Lakes
Bannon Lakes is a neighborhood in St. Johns County, FL (St. Johns County), ZIP 32095.
View all Bannon Lakes homes for sale →Listing Courtesy of: NEEDHAM REALTY GROUP
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Your Local Expert
Krista Fracke
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