This home is in Bannon Lakes, St. Augustine — a home near Tocoi Creek High School.
Sold·Closed Aug 17, 2026·186 days on market·Recent sales in Bannon Lakes·Bannon Lakes
317 Cedar Preserve Lane
St. Augustine, FL 32095
24 more homes for sale in Bannon Lakes →Search Bannon Lakes on the map
About this home
Bannon Lakes
Step into a home that effortlessly blends space, privacy, and a resort-inspired lifestyle--set within a highly sought-after community zoned for A-rated schools. This exceptional property offers the perfect balance of everyday comfort and elevated living with an open concept living area. The gourmet kitchen includes natural gas appliances, quartz countertops, massive island, food pantry and upgraded cabinetry. There is a bonus office or 4th bedroom space if you need just a little more room and one of bedrooms makes a perfect multi-generational suite accompanied by its own full bathroom. The primary suite is spacious and features a grand walk-in tiled shower with dual shower heads, dual sinks, a sizable closet and linen closet. And on top you have access to world class amenities: pool, fitness center, sports courts, dog park, playgrounds, and more!
Next steps in Bannon Lakes
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
This bill runs well above the county-average estimate — usually the sign of a CDD or special assessment on this home. We confirm the exact line (and whether a bond was ever prepaid) before you offer.
- • 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 (that applies to the reference bill above too).
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
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 homeAs of July 2026, 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.
Sun & Light
Northwest-facing backyard — summer sunsets, gentle days
The listing reports the home facing southeast, which puts the backyard on the northwest side. Today at this address: sunrise 7:25 AM, sunset 7:00 PM.
- The rear sits softly lit through most of the day, then catches the late golden hour — in summer the sun sets almost straight into this exposure.
- Cooler than a true west lot with some of the sunset payoff; winter evenings go dark early.
Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.
Cost to own
Taxes & assessment
Last sold: $488,700 in July 2023(county public record, not MLS data)
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $417,221 | $366,499 | — |
| 2024 | $416,449 | $366,449 | — |
| 2023 | $120,000 | $92,400 | — |
| 2022 | $84,000 | $84,000 | — |
2025 property taxes (current owner): $8,480/yr
Estimated taxes if purchased at asking price: ~$7,200/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.
History
Price & status history
- Aug 17, 2026Closed$465,000
- Jul 25, 2026Pending$465,000
- Jun 8, 2026Listed$465,000
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 $247/sq ft; this home is listed at $217/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 49 Orchard Lane, St. Augustine, FL 32095Listed by RE/MAX BLUE COAST | Aug 2026 | $615,000 | $229 | 4/3 | 2,685 | 39 | 0.2 |
| 190 Blind Oak Circle, St. Johns, FL 32095Listed by PULTE REALTY OF NORTH FLORIDA, LLC. | Aug 2026 | $515,110 | $207 | 5/3 | 2,483 | 8 | 0.3 |
| 37 Greenhead Court, St. Augustine, FL 32095Listed by 904 REALTY LLC | Jul 2026 | $400,230 | $265 | 4/2 | 1,509 | 0 | 0.3 |
| 241 Blind Oak Circle, St. Johns, FL 32095Listed by PULTE REALTY OF NORTH FLORIDA, LLC. | Sep 2026 | $439,000 | $247 | 4/2 | 1,775 | 45 | 0.4 |
| 379 Blind Oak Circle, St. Johns, FL 32095Listed by PULTE REALTY OF NORTH FLORIDA, LLC. | Sep 2026 | $463,000 | $220 | 4/3 | 2,107 | 72 | 0.4 |
| 277 Flintlock Lane, St. Johns, FL 32095Listed by PULTE REALTY OF NORTH FLORIDA, LLC. | Aug 2026 | $380,000 | $252 | 4/2 | 1,510 | 24 | 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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: VENTURE REALTY CO, LLC
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 →Keep looking
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Aug 17, 2026. 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.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines