This home is in Bannon Lakes, St. Augustine — a waterfront home in St. Johns County.
Sold·Closed Jun 29, 2026·7 days on market·Recent sales in Bannon Lakes·Bannon Lakes
89 Yellowfin Drive
St. Augustine, FL 32095
24 more homes for sale in Bannon Lakes →Search Bannon Lakes on the map
About this home
Bannon Lakes
Welcome to 89 Yellowfin Dr in St. Augustine! This move-in ready home offers an open-concept layout perfect for modern living and entertaining with a beautiful view of the water in the backyard. The spacious living area flows seamlessly into a well-appointed kitchen with ample cabinetry and counter space. The primary suite provides a private retreat with an en-suite bath and generous closet space, while additional bedrooms offer flexibility for guests or a home office. Enjoy relaxing or entertaining outdoors in the Florida sunshine or the shaded back porch. Conveniently located just minutes from historic downtown St. Augustine, beautiful beaches, shopping, dining, and with easy access to Jacksonville. Don't miss this opportunity to own in one of Northeast Florida's most desirable areas!
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.
- • 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.
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 2021)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,782 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 homeThis 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
North-facing backyard — the shade-and-soft-light lot
The listing reports the home facing south, which puts the backyard on the north side. Today at this address: sunrise 7:25 AM, sunset 7:00 PM.
- The rear stays out of direct sun for most of the day — the coolest lanai orientation in a Florida summer, and the softest, most even light all day.
- A pool back here gets the least direct sun: cooler water and less glare — a real preference split, so decide which camp you are in before you price it.
- Winter afternoons on the lanai run dim earlier than any other orientation.
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 | $329,015 | $265,441 | — |
| 2024 | $333,541 | $257,253 | — |
| 2023 | $333,541 | $248,304 | — |
| 2022 | $289,616 | $239,616 | — |
| 2021 | $60,000 | $54,450 | — |
| 2020 | $55,000 | $49,500 | — |
2025 property taxes (current owner): $7,043/yr
Estimated taxes if purchased at asking price: ~$6,100/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.
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 $245/sq ft; this home is listed at $232/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 228 River Mist Drive, St. Augustine, FL 32095Listed by NEEDHAM REALTY GROUP | Sep 2026 | $405,000 | $208 | 3/2.5 | 1,943 | 499 | 0.1 |
| 151 Ash Breeze Cove, St. Augustine, FL 32095Listed by COLDWELL BANKER VANGUARD REALTY | Aug 2026 | $455,000 | $271 | 3/2 | 1,678 | 8 | 0.1 |
| 45 Bluejack Lane, St. Augustine, FL 32095Listed by ENDLESS SUMMER REALTY | Oct 2026 | $370,000 | $245 | 3/2 | 1,508 | 41 | 0.2 |
| 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 | 0.2 |
| 31 Crystal Crest Lane, St. Augustine, FL 32095Listed by UNITED REAL ESTATE GALLERY | Aug 2026 | $350,000 | $205 | 3/2.5 | 1,710 | 9 | 0.2 |
| 39 Crystal Crest Lane, St. Augustine, FL 32095Listed by INI REALTY | Aug 2026 | $349,000 | $231 | 2/2 | 1,508 | 59 | 0.2 |
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: 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.
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
More homes in Bannon Lakes
For Sale314 Blind Oak CircleSt. Johns, FL 32095
4 bd · 2 ba · 1,510 sq ft
$389,000Est. $2,070/moWelcome to the Drayton, a thoughtfully crafted open-concept home featuring timeless Craftsman-style architecture and…
Listing Office: pulte realty of north florida, llc.
For Sale409 Blind Oak CircleSt. Johns, FL 32095
4 bd · 2 ba · 1,510 sq ft
$393,000Est. $2,092/moStep into the Drayton, a thoughtfully designed open-concept home showcasing charming craftsman-style architecture and…
Listing Office: pulte realty of north florida, llc.
For Sale36 Greenhead CourtSt. Augustine, FL 32095
4 bd · 2 ba · 1,509 sq ft
$399,000Est. $2,124/moLIKE NEW without the build decisions, timeline, or added expense! This upgraded 4-bedroom, 2-bath home is on a…
Listing Office: real broker llc
Pending261 Flintlock LaneSt. Johns, FL 32095
3 bd · 2.5 ba · 1,720 sq ft
$400,000Est. $2,129/moDiscover the Henley, a beautifully designed 3-bedroom, 2.5-bath home that blends style, comfort, and everyday…
Listing Office: pulte realty of north florida, llc.
Keep looking
Similar homes in St. Augustine
Explore the area
More in Bannon Lakes
Bannon Lakes guides & reports
Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Jun 29, 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