This home is in Bannon Lakes, St. Augustine — a home near Tocoi Creek High School.
Active·115 days on market·Bannon Lakes
165 Bluejack Lane
St. Augustine, FL 32095
About this home
Bannon Lakes
Welcome to this adorable 2 story home in Bannon Lakes, located in highly sought-after St. Johns County! Featuring an open-concept layout, high ceilings, updated light fixtures, and new ceiling fans, there's nothing to do here but move in! The kitchen has quartz countertops, stainless steel appliances, and a large walk-in pantry. The primary suite offers a relaxing retreat with a garden tub, separate shower, and walk-in closet. Upstairs, you'll find oversized bedrooms with walk-in closets and a versatile loft ideal for a second living space, exercise room, or home office. A downstairs 4th bedroom provides the perfect guest space. Enjoy outdoor living on the covered patio with roll-down shades and let the dogs run free in the fully fenced backyard. Located minutes from historic St. Augustine and with easy interstate access. Amenities include a resort-style pool, courts, dog park, fitness center, and playground! Don't wait, schedule your tour!
Cost to own
Mortgage calculator
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).
Cost to own
Taxes & assessment
Last sold: $480,500 in September 2023(county public record, not MLS data)
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $389,449 | $338,727 | — |
| 2024 | $397,494 | $347,494 | — |
| 2023 | $397,494 | $340,909 | — |
| 2022 | $346,216 | $309,917 | — |
| 2021 | $281,743 | $281,743 | — |
| 2020 | $261,053 | $211,053 | — |
2025 property taxes (current owner): $8,031/yr
Estimated taxes if purchased at asking price: ~$7,300/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: ~1,789 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.
History
Price & status history
- Aug 11, 2026Price change$459,000−$3,000
- May 6, 2026Listed$462,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
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 →Listing Courtesy of: KELLER WILLIAMS ST JOHNS
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
Keep looking
More homes in Bannon Lakes
Active$459,900MLS# 2161324Est. $2,448/mo114 Bluejack Lane, St. Augustine, FL 320954 Beds2 Baths2,008 sqftSPECTACULAR LONG LAKE VIEWS! Perfectly positioned on one of Bannon Lakes' beautiful lakes, this light-filled home…
ResidentialPONTE VEDRA COASTAL REALTY, INC.
Pending$463,000MLS# 2145250Est. $2,464/mo379 Blind Oak Circle, St. Johns, FL 320954 Beds3 Baths2,107 sqftIntroducing the Morris, a beautifully crafted open-layout home with classic traditional-inspired curb appeal. This home…
ResidentialPULTE REALTY OF NORTH FLORIDA, LLC.
Pending$453,500MLS# 2153265Est. $2,414/mo44 Greenhead Court, St. Johns, FL 320954 Beds2 Baths1,775 sqftExperience the Highgate, an open-concept home situated on a picturesque waterfront homesite. This thoughtfully designed…
ResidentialPULTE REALTY OF NORTH FLORIDA, LLC.
Active$449,900MLS# 2151188Est. $2,395/mo158 Sage Hen Drive, St. Augustine, FL 320955 Beds3 Baths2,487 sqftWelcome to 158 Sage Hen Drive in the highly sought-after Preserve at Bannon Lakes! This stunning 5-bedroom, 3-bathroom…
ResidentialMAXREV, 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
Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.
Text Krista about this home20+ 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