This home is in St. Augustine.

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Active Under Contract

Active Under Contract·98 days on market

49 Orchard Lane

St. Augustine, FL 32095

$625,000$233/sqftEst. $3,327/moMLS# 2139161

Beds

Baths

2,685

Sq Ft

2020

Built

Garage

Pool

About this home

St. Augustine

Welcome to 49 Orchard Lane in The Grove at Bannon Lakes--where thoughtful upgrades, stylish finishes, and everyday functionality come together beautifully. Built by Taylor Morrison, this meticulously maintained home showcases crown molding and durable luxury vinyl plank flooring throughout, creating a seamless and upscale feel from room to room. The open-concept layout is complemented by a dedicated office with French doors--perfect for working from home or creating a quiet retreat. The kitchen is both elegant and practical, featuring GE Café stainless steel appliances, self-closing cabinetry, and custom pantry buildouts that maximize storage. Nearby, the upgraded laundry room offers added cabinetry, granite countertops, a utility sink, and built-in drying racks--with washer and dryer included for true move-in convenience.

Cost to own

Mortgage calculator

Home Price

$625,000

Down Payment: 20%

$125,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$3,177

Principal & Interest: $3,177

Est. Taxes & Insurance: $794

Estimated Total Monthly

$3,971

*Estimates based on 30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, 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$3,327

Property taxesest. at asking price, St. Johns County$832

HOAbilled quarterly$68

Estimated total, before insurance$4,226/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

Year	Market value	Taxable value	Change
2025	$501,074	$326,160	—
2024	$501,435	$316,260	—
2023	$501,698	$305,592	—
2022	$433,589	$295,235	—
2021	$358,610	$285,180	—
2020	$60,000	$60,000	—

2025 property taxes (current owner): $4,372/yr

Estimated taxes if purchased at asking price: ~$10,000/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 2020)

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

Solar potential: ~1,722 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

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

Apr 9, 2026Listed$625,000

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

Features

Price$625,000

Price / Sq Ft$233

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,685

Acres0.21 acres

Year Built2020

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionUpdated/Remodeled

StatusActive Under Contract

# of Garages3

Has PoolNo

Is WaterfrontNo

Direction FacesSouthwest

Community Information

Address49 Orchard Lane, St. Augustine, FL 32095

Area306-World Golf Village Area-NE

SubdivisionThe Grove

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32095

Lot Size9,147.6 sq ft

Lot Dimensions.21 acres

Parcel Number0270160030

ZoningResidential

Amenities

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

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

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Garage Door Opener

ViewTrees/Woods

Interior

Interior FeaturesCeiling Fan(s), Eat-in Kitchen, Entrance Foyer, His and Hers Closets, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Split Bedrooms, Walk-In Closet(s)

AppliancesConvection Oven, Dishwasher, Disposal, Dryer, Gas Range, Microwave, Refrigerator, Washer, Water Softener Owned

HeatingHeat Pump

CoolingCentral Air

# of Stories1

LevelsOne

LaundryIn Unit

SecuritySmoke Detector(s)

Spa FeaturesAbove Ground, Private