This home is in St. Augustine.
Sold·Closed Aug 3, 2026·39 days on market·Recent sales in World Golf Village
49 Orchard Lane
St. Augustine, FL 32095
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.
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.
- • 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 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 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
Northeast-facing backyard — summer sunrises, all-day cool
The listing reports the home facing southwest, which puts the backyard on the northeast side. Today at this address: sunrise 7:25 AM, sunset 7:00 PM.
- The rear catches early summer sun (the sun rises almost straight into this exposure in June), then stays comfortable and shaded through the heat of the day.
- The coolest diagonal for a lanai; a pool here trades warmth for comfort.
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
| 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: ~$9,800/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 3, 2026Closed$625,000
- Apr 9, 2026Listed$625,000
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 $225/sq ft; this home is listed at $233/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 317 Cedar Preserve Lane, St. Augustine, FL 32095Listed by VENTURE REALTY CO, LLC | Aug 2026 | $450,000 | $210 | 4/3 | 2,142 | 186 | 0.2 |
| 155 Blind Oak Circle, St. Johns, FL 32095Listed by PULTE REALTY OF NORTH FLORIDA, LLC. | Aug 2026 | $460,000 | $227 | 3/2.5 | 2,024 | 77 | 0.2 |
| 201 Ash Breeze Cove, St. Augustine, FL 32095Listed by DAVIDSON REALTY, INC. | Jul 2026 | $510,000 | $225 | 4/3.5 | 2,270 | 12 | 0.2 |
| 122 Sage Hen Drive, St. Augustine, FL 32095Listed by REAL BROKER LLC | Jul 2026 | $435,000 | $208 | 4/3 | 2,096 | 95 | 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 |
| 579 Blind Oak Circle, St. Johns, FL 32095Listed by PULTE REALTY OF NORTH FLORIDA, LLC. | Jun 2026 | $499,000 | $233 | 4/3 | 2,139 | 51 | 0.3 |
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
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: RE/MAX BLUE COAST
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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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Aug 3, 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
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