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This home is in St. Augustine — a 55+ community home in St. Johns County.

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Sold

Sold·Closed Jan 8, 2026·14 days on market·Recent sales in World Golf Village

102 Bridge Oak Lane

St. Augustine, FL 32095

$480,000sold priceListed at $485,000 · 99% of asking$244/sqftMLS# 2114126

Beds

Baths

1,964

Sq Ft

2017

Built

2.5

Garage

Pool

HOA $258/mo6,970 sqft lotWaterfrontSingle Family Residence1 story

About this home

St. Augustine

Welcome to this beautiful home located in the gated 55 + community of Bridge Bay at Bannon Lakes. Enjoy the relaxing view of the pond from the moment you step in this 2 bedroom home w/ an office/flex space. Office offers French doors for added privacy. The spacious gourmet kitchen has an oversized island perfect for entertaining, SS appliances, tiled backsplash and huge walk in pantry. Kitchen flows into the family room with triple sliders w/ solar shade tint that open to large screened in patio to enjoy your evenings on. Seller will leave all furniture on the screened patio with acceptable offer. Dining area located just off the kitchen. Owners suite is a dream and overlooks the peaceful pond. Bath offers large walk in shower, double vanities and walk in closet. Other upgrades included Plantation shutters throughout, ceiling fans and updated fixtures. The garage is an oversized 2.5 car garage, perfect for golf cart or work bench. This home is immaculate and a must see.

Next steps in World Golf Village

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$2,659

Property taxesest. at asking price, St. Johns County$639

HOAbilled monthly$258

Estimated total, before insurance$3,555/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

Home Price

$480,000

Down Payment: 20%

$96,000

Interest Rate: 7.40%

Loan Term

Monthly Payment

$2,659

Principal & Interest: $2,659

Property taxes (est.): $639

Insurance (est.): $320

Estimated Total Monthly

$3,617

*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 2017)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Solar potential: ~1,691 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 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

Oct 20, 2025Listed$485,000

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 $239/sq ft; this home is listed at $247/sq ft.

Address	Closed	Price	$/sq ft	Bd/Ba	Sq ft	DOM	Miles
86 Rock Spring Loop, St. Augustine, FL 32095Listed by COLDWELL BANKER PREMIER PROPERTIES	Jul 2026	$369,500	$239	2/2	1,547	24	0.2
45 Bluejack Lane, St. Augustine, FL 32095Listed by ENDLESS SUMMER REALTY	Oct 2026	$370,000	$245	3/2	1,508	41	0.3
151 Ash Breeze Cove, St. Augustine, FL 32095Listed by COLDWELL BANKER VANGUARD REALTY	Aug 2026	$455,000	$271	3/2	1,678	8	0.3
92 Bluejack Lane, St. Johns, FL 32095Listed by UNITED REAL ESTATE GALLERY	Jul 2026	$419,000	$209	4/2	2,008	29	0.3
201 Ash Breeze Cove, St. Augustine, FL 32095Listed by DAVIDSON REALTY, INC.	Jul 2026	$510,000	$225	4/3.5	2,270	12	0.3
165 Bluejack Lane, St. Augustine, FL 32095Listed by KELLER WILLIAMS ST JOHNS	Oct 2026	$445,000	$186	4/3	2,395	126	0.4

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$485,000

Price / Sq Ft$247

Bedrooms2

Bathrooms2.00

Full Baths2

Square Footage1,964

Acres0.16 acres

Year Built2017

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch

StatusClosed

# of Garages2.5

Has PoolNo

Is WaterfrontYes

55+ CommunityYes

School Information

ElementaryMill Creek Academy

MiddleMill Creek Academy

HighTocoi Creek

Community Information

Address102 Bridge Oak Lane, St. Augustine, FL 32095

Area306-World Golf Village Area-NE

SubdivisionBridge Bay At Bannon Lakes

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32095

Lot Size6,969.6 sq ft

Parcel Number0270150100

ZoningResidential

Amenities

AmenitiesPool, Barbecue, Clubhouse, Dog Park, Fitness Center, Jogging Path, Pickleball, Playground, Tennis Court(s)

UtilitiesCable Available, Electricity Connected, Natural Gas Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage

ViewPond

Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Built-in Features, Ceiling Fan(s), Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Primary Downstairs, Walk-In Closet(s)

AppliancesConvection Oven, Dishwasher, Disposal, Dryer, Gas Cooktop, Microwave, Tankless Water Heater, Washer, Water Softener Owned

HeatingCentral, Electric

CoolingCentral Air

FlooringCarpet, Tile

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Gas Dryer Hookup

SecuritySecurity Gate

Exterior

Patio / PorchCovered, Screened

RoofShingle

Road SurfaceAsphalt

Additional Information

Date ListedOctober 20, 2025

Days on Market14

HOA Fees$258 / Monthly

HOA FrequencyMonthly

Listing TermsCash, Conventional, FHA, VA Loan

55+ CommunityYes

New ConstructionNo

Listing Courtesy of: WATSON REALTY CORP

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.

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