This home is in Bannon Lakes, St. Augustine.

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Active

Active·191 days on market·Bannon Lakes

772 Blind Oak Circle

St. Augustine, FL 32095

$899,000$210/sqftEst. $4,785/moMLS# 2123573

Beds

Baths

4,284

Sq Ft

2023

Built

Garage

Pool

About this home

Bannon Lakes

Preserve Lot. Cul-de-Sac Setting. Exceptional Scale and Design. Homes of this size, quality, and flexibility rarely come together like this. Set at the end of a quiet cul-de-sac on one of the community's largest preserve lots at .32 acres, this two-year-young Pulte residence delivers 4,284 square feet of refined living with a layout built for real life and long-term versatility. The moment you enter, wide hallways, soaring ceilings, and a dramatic open flow establish the scale. The massive great room anchors the home and connects seamlessly to the outdoors through a three-tier pocket sliding glass door, opening to a covered patio with tranquil preserve views. The space is plumbed and ready for an outdoor kitchen, making entertaining effortless. The gourmet kitchen overlooks the main living area and offers premium finishes, abundant storage, and room to gather. Separate formal living and dining rooms provide flexibility for hosting, working

Cost to own

Mortgage calculator

Home Price

$899,000

Down Payment: 20%

$179,800

Interest Rate: 6.49%

Loan Term

Monthly Payment

$4,541

Principal & Interest: $4,541

Est. Taxes & Insurance: $1,135

Estimated Total Monthly

$5,676

*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, Freddie Mac PMMS via FRED). Actual payments may vary.

Cost to own

True monthly cost

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

Principal & interest20% down · 7.0% · 30yr$4,785

Property taxesest. at asking price, St. Johns County$1,196

HOAbilled monthly$48

Estimated total, before insurance$6,029/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, 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

Last sold: $943,800 in May 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$721,289	$670,567	—
2024	$720,216	$670,216	—
2023	$95,000	$95,000	—
2022	$33,600	$33,600	—

2025 property taxes (current owner): $12,576/yr

Estimated taxes if purchased at asking price: ~$14,400/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 2023)

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

Informational 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

Jan 5, 2026Listed$899,000

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

Features

Price$899,000

Price / Sq Ft$210

Bedrooms5

Bathrooms4.50

Full Baths4

Half Baths1

Square Footage4,284

Acres0.32 acres

Year Built2023

TypeResidential

Sub-TypeSingle Family Residence

StyleMulti Generational, Traditional

Property ConditionUpdated/Remodeled

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontNo

Direction FacesWest

School Information

ElementaryMill Creek Academy

MiddleMill Creek Academy

HighTocoi Creek

Community Information

Address772 Blind Oak Circle, St. Augustine, FL 32095

Area306-World Golf Village Area-NE

SubdivisionBannon Lakes

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32095

Lot Size13,939.2 sq ft

Parcel Number0270181000

Amenities

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

UtilitiesCable Connected, Electricity Connected, Sewer Available, Sewer Connected

SewerPublic Sewer

Water SourcePublic

ParkingAdditional Parking, Garage, Off Street, Other

ViewProtected Preserve, Trees/Woods

Interior

Interior FeaturesBreakfast Nook, Butler Pantry, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Guest Suite, His and Hers Closets, In-Law Floorplan, Jack and Jill Bath, Kitchen Island, Open Floorplan, Pantry, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Double Oven, Dryer, Electric Water Heater, Gas Range, Microwave, Refrigerator, Washer, Water Softener Owned

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringCarpet, Laminate, Tile

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, Gas Dryer Hookup, Washer Hookup