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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 Bannon Lakes, St. Augustine — a new construction home in St. Johns County.

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Sold

Sold·Closed Jul 22, 2025·10 days on market·Recent sales in Bannon Lakes·Bannon Lakes

364 Beechnut Circle

St. Augustine, FL 32095

$637,640sold priceListed at $637,640 · 100% of asking$182/sqftMLS# 2099950
5
Beds
4
Baths
3,500
Sq Ft
2025
Built
3
Garage
No
Pool

24 more homes for sale in Bannon Lakes →Search Bannon Lakes on the map

HOA $52/moSingle Family Residence2 storiesNew construction

About this home

Bannon Lakes

Yorkshire model with 5 bedroom, 4 bath option. Gourmet kitchen upgrade, triple sliders to covered lanai overlook preserve lot. Luxury vinyl plank throughout the main living areas downstairs and carpet upstairs. All showers fully tiled, quartz counter tops, and walk in showers. Extra 4' built into the garage, separate GFCI in garage, enclosed flex space near garage entry and enclosed flex space across from stairs.

Cost to own

True monthly cost

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

Principal & interest20% down · 7.4% · 30yr$3,532
Property taxesest. at asking price, St. Johns County$848
HOAbilled monthly$52
Estimated total, before insurance$4,432/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.
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$637,640
$127,528
Loan Term
Monthly Payment
$3,532
Principal & Interest: $3,532
Property taxes (est.): $849
Insurance (est.): $425
Estimated Total Monthly
$4,806
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — year not disclosed (home built 2025)

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

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.

History

Price & status history

  • Jul 22, 2025Listed$637,640

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

Closed sales

What sold nearby

Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $224/sq ft; this home is listed at $182/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
690 Cedar Preserve Lane, St. Augustine, FL 32095Listed by ERA ONETEAM REALTYAug 2026$859,000$2495/4.53,454630.2
49 Orchard Lane, St. Augustine, FL 32095Listed by RE/MAX BLUE COASTAug 2026$615,000$2294/32,685390.5
190 Blind Oak Circle, St. Johns, FL 32095Listed by PULTE REALTY OF NORTH FLORIDA, LLC.Aug 2026$515,110$2075/32,48380.6
274 Flintlock Lane, St. Johns, FL 32095Listed by PULTE REALTY OF NORTH FLORIDA, LLC.Jul 2026$453,314$1835/32,483230.6
413 Blind Oak Circle, St. Augustine, FL 32095Listed by PULTE REALTY OF NORTH FLORIDA, LLC.May 2026$473,000$1905/32,483330.6
316 Renwick Parkway, St. Johns, FL 32095Listed by EPIQUE REALTY, INCJun 2026$705,000$2245/43,154641

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

Features

Price$637,640
Price / Sq Ft$182
Bedrooms5
Bathrooms4.00
Full Baths4
Square Footage3,500
Total Structure Area3,500 sq ft
Year Built2025
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
StatusClosed
# of Garages3
Has PoolNo
Is WaterfrontNo
New ConstructionYes

Community Information

Address364 Beechnut Circle, St. Augustine, FL 32095
Area306-World Golf Village Area-NE
SubdivisionBannon Lakes
CitySt. Augustine
CountySt. Johns
StateFL
Zip Code32095
Parcel Number0270183100

Amenities

AmenitiesPool, Fitness Center, Jogging Path, Management - Developer
UtilitiesElectricity Available, Electricity Connected, Natural Gas Connected, Sewer Connected, Water Available, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage, Garage Door Opener
ViewProtected Preserve, Trees/Woods

Interior

Interior FeaturesCeiling Fan(s), Entrance Foyer, Guest Suite, Kitchen Island, Pantry, Primary Bathroom - Shower No Tub, Smart Thermostat, Vaulted Ceiling(s), Walk-In Closet(s)
AppliancesDishwasher, Disposal, Gas Cooktop, Instant Hot Water, Microwave
HeatingCentral
CoolingCentral Air, Multi Units, Zoned
FlooringCarpet, Tile, Vinyl
# of Stories2
LevelsTwo
LaundryGas Dryer Hookup, Upper Level, Washer Hookup

Exterior

Lot DescriptionWooded
Patio / PorchFront Porch, Rear Porch
RoofShingle
ConstructionFiber Cement, Frame, Stone

Additional Information

Date ListedJuly 22, 2025
Days on Market10
HOA Fees$52 / Monthly
HOA FrequencyMonthly
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionYes

Listing Courtesy of: NON MLS (realMLS)

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 Bannon Lakes

Bannon Lakes is a neighborhood in St. Johns County, FL (St. Johns County), ZIP 32095.

View all Bannon Lakes homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Jul 22, 2025. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.

Text Krista about this saleHomes for sale nearby →

20+ years · 500+ closings · NE Florida

Curious what nearby homes sold for?

MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

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