This home is in St. Augustine — a home near Tocoi Creek High School.
Sold·Closed Jul 15, 2026·24 days on market·Recent sales in World Golf Village
86 Rock Spring Loop
St. Augustine, FL 32095
About this home
St. Augustine
Welcome to this stunning 2 Bedroom +Office/Flex room, 2 Bath Duplex home nestled in the gated 55+ community of Bridge Bay at Bannon Lakes. Sitting on a serene private lake in the heart of popular St Johns County, this beautifully upgraded home features an open-concept layout with very up to date finishes throughout and many exceptional upgrades. The incredible Kitchen is perfect for entertaining with imported stone countertops, extra large pantry, spacious center island, upgraded stainless steel appliances, & custom tile backsplash. More fabulous features include two car garage, paver driveway & patio, 9' ceilings, custom plantation blinds on every window, power retractable screens on the extended patio inside the fenced yard sloping to the Pond. Other highlights are porcelain tile floors, tankless WH, a water softener, weathered wood accents, crown molding throughout, custom ceiling fans and new light fixtures. Some furnishings available. Some photos are virtually staged.
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.
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.
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 2019)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,772 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
Last sold: $390,000 in June 2022(county public record, not MLS data)
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $323,091 | $323,091 | — |
| 2024 | $331,333 | $255,059 | — |
| 2023 | $312,008 | $246,174 | — |
| 2022 | $280,833 | $180,695 | — |
| 2021 | $239,337 | $173,976 | — |
| 2020 | $219,468 | $153,208 | — |
2025 property taxes (current owner): $7,659/yr
Estimated taxes if purchased at asking price: ~$5,900/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.
History
Price & status history
- Jul 28, 2026Closed$369,500
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 $234/sq ft; this home is listed at $239/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 45 Bluejack Lane, St. Augustine, FL 32095Listed by ENDLESS SUMMER REALTY | Oct 2026 | $370,000 | $245 | 3/2 | 1,508 | 41 | 0.1 |
| 28 Rock Spring Loop, St. Augustine, FL 32095Listed by WATSON REALTY CORP | Jun 2026 | $362,000 | $234 | 2/2 | 1,547 | 29 | 0.1 |
| 92 Bluejack Lane, St. Johns, FL 32095Listed by UNITED REAL ESTATE GALLERY | Jul 2026 | $419,000 | $209 | 4/2 | 2,008 | 29 | 0.2 |
| 102 Bridge Oak Lane, St. Augustine, FL 32095Listed by WATSON REALTY CORP | Jan 2026 | $480,000 | $244 | 2/2 | 1,964 | 14 | 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 | 0.3 |
| 39 Crystal Crest Lane, St. Augustine, FL 32095Listed by INI REALTY | Aug 2026 | $349,000 | $231 | 2/2 | 1,508 | 59 | 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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: COLDWELL BANKER PREMIER PROPERTIES
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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Krista Fracke
Broker Associate
This home sold on Jul 15, 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.
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