This home is in Bannon Lakes, St. Johns.

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Pending

Pending·68 days on market·Bannon Lakes

277 Flintlock Lane

St. Johns, FL 32095

$384,270$254/sqftEst. $2,045/moMLS# 2144276

Beds

Baths

1,510

Sq Ft

2026

Built

Garage

Pool

About this home

Bannon Lakes

Welcome to the Drayton, an open-concept home with charming coastal-inspired curb appeal. This residence offers 4 generously sized bedrooms, 2 full baths, and a 2-car garage. Luxury vinyl plank flooring extends throughout the main living spaces, seamlessly connecting the gathering room to the enhanced covered lanai for effortless indoor-outdoor living. The upgraded kitchen features beautiful quartz countertops, a complete Whirlpool appliance package, crisp white cabinetry, a white tile backsplash, and an oversized center island ideal for entertaining and casual meals alike. Additional highlights include a Smart Home package, upgraded 8-foot interior doors, included washer and dryer, designer hardware package, and more. Homeowners also enjoy access to an exceptional 4,000-square-foot amenity center complete with a state-of-the-art fitness center, resort-style swimming pool, playground, tennis and pickleball courts, scenic walking trails, and 2 dedicated dog parks. Schedule today!

Cost to own

Mortgage calculator

Home Price

$384,270

Down Payment: 20%

$76,854

Interest Rate: 6.49%

Loan Term

Monthly Payment

$1,941

Principal & Interest: $1,941

Est. Taxes & Insurance: $485

Estimated Total Monthly

$2,426

*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, Freddie Mac PMMS via FRED). Actual payments 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 · 7.0% · 30yr$2,045

Property taxesest. at asking price, St. Johns County$511

HOAbilled monthly$54

Estimated total, before insurance$2,611/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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.

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$95,000	$95,000	—

2025 property taxes (current owner): $4,328/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.

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 2026)

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

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

Features

Price$384,270

Price / Sq Ft$254

Bedrooms4

Bathrooms2.00

Full Baths2

Square Footage1,510

Acres0.11 acres

Year Built2026

TypeResidential

Sub-TypeSingle Family Residence

StyleOther

Property ConditionUnder Construction

StatusPending

# of Garages2

Has PoolNo

Is WaterfrontNo

New ConstructionYes

Community Information

Address277 Flintlock Lane, St. Johns, FL 32095

Area306-World Golf Village Area-NE

SubdivisionBannon Lakes

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32095

Lot Size4,791.6 sq ft

Parcel Number0270180370

Amenities

AmenitiesPark

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Available

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Garage Door Opener

ViewOther

Interior

Interior FeaturesEat-in Kitchen, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Smart Home, Smart Thermostat, Walk-In Closet(s), Other

AppliancesOther, Dishwasher, Electric Oven, Electric Range, Microwave, Refrigerator

HeatingElectric, Heat Pump

CoolingCentral Air, Electric

FlooringCarpet, Tile, Vinyl

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Gas Dryer Hookup, Washer Hookup