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This home is in Bannon Lakes, St. Augustine — a home near Tocoi Creek High School.

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Active Under Contract

Active Under Contract·122 days on market·Bannon Lakes

431 Bluejack Lane

St. Augustine, FL 32095

$429,900$214/sqftEst. $2,210/moMLS# 2142452

Beds

Baths

2,008

Sq Ft

2019

Built

Garage

Pool

About this home

Bannon Lakes

Welcome to this beautifully upgraded 4-br, 2-ba home. It's sparkling clean and move-in ready. The property features an extended driveway, upgraded coach lights, and advanced lighting systems. The kitchen offers a designer Samsung appliance package w/ refrigerator, dishwasher, five-burner range, and microwave. The spacious owner's suite includes a large walk-in closet with built-ins for easy organization. The owner's en suite has a walk in shower for ease, along with extra storage, a window that brings in natural light and a double vaniity. Enjoy your morning coffee in the extended screened lanai with lush preserve views for a peaceful start to the day. With stylish ceiling fans and thoughtful upgrades throughout, this home combines comfort and modern convenience. The amenities are plentiful including a well appointed gym, zero entry resort style pool w/ swim lanes, clubhouse w/ kitchen, playground, basketball, tennis, and pickleball courts, dog parks and walking paths throughout.

Cost to own

Mortgage calculator

Home Price

$429,900

Down Payment: 20%

$85,980

Interest Rate: 6.66%

Loan Term

Monthly Payment

$2,210

Principal & Interest: $2,210

Property taxes (est.): $572

Insurance (est.): $287

Estimated Total Monthly

$3,069

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, Freddie Mac PMMS via FRED). Taxes use the county effective rate; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs 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 · 6.66% · 30yr$2,210

Property taxesest. at asking price, St. Johns County$572

HOAbilled annually$33

Estimated total, before insurance$2,815/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$7,831/yr · $653/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, 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).

Cost to own

Taxes & assessment

Last sold: $475,000 in June 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$374,662	$323,940	—
2024	$382,156	$332,156	—
2023	$376,497	$326,497	—
2022	$327,631	$291,360	—
2021	$264,873	$264,873	—
2020	$245,388	$245,388	—

2025 property taxes (current owner): $7,831/yr

Estimated taxes if purchased at asking price: ~$6,900/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 2019)

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

Solar potential: ~1,801 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

As 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.

History

Price & status history

Apr 29, 2026Listed$429,900

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

Features

Price$429,900

Price / Sq Ft$214

Bedrooms4

Bathrooms2.00

Full Baths2

Square Footage2,008

Acres0.17 acres

Year Built2019

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch

StatusActive Under Contract

# of Garages2

Has PoolNo

Is WaterfrontNo

School Information

ElementaryMill Creek Academy

MiddleMill Creek Academy

HighTocoi Creek

Community Information

Address431 Bluejack Lane, St. Augustine, FL 32095

Area306-World Golf Village Area-NE

SubdivisionBannon Lakes

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32095

Lot Size7,405.2 sq ft

Parcel Number0270141680

ZoningResidential

Amenities

AmenitiesPool, Basketball Court, Clubhouse, Dog Park, Fitness Center, Jogging Path, Management - Full Time, Management- On Site, Park, Pickleball, Playground, Tennis Court(s)

UtilitiesNatural Gas Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Garage Door Opener

ViewTrees/Woods