This home is in Bannon Lakes, St. Johns.

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Pending

Pending·68 days on market·Bannon Lakes

190 Blind Oak Circle

St. Johns, FL 32095

$517,110$208/sqftEst. $2,752/moMLS# 2144284

Beds

Baths

2,483

Sq Ft

2026

Built

Garage

Pool

About this home

Bannon Lakes

Discover the stunning Trailside with serene water views, featuring Craftsman-inspired architecture and a well-designed 2-story open layout. The first floor offers a spacious gathering area, an extended covered lanai, a secondary bedroom, and a full bath. Upstairs, you'll find a spacious Owner's Suite, 3 additional bedrooms, a versatile loft, 2 full bathrooms, and a conveniently placed laundry room. The gourmet kitchen is appointed with 42'' white soft-close upper cabinets, a sleek white Flow tile backsplash, an oversized island, and Whirlpool stainless steel appliances, including the refrigerator. Additional highlights include a Smart Home package, upgraded 8-foot interior doors, and premium finishes throughout. Residents enjoy access to an exceptional 4,000-square-foot amenity center featuring a modern fitness center, resort-style pool, playground, tennis and pickleball courts, scenic walking trails, and two dog parks. Schedule your private tour today!

Cost to own

Mortgage calculator

Home Price

$517,110

Down Payment: 20%

$103,422

Interest Rate: 6.49%

Loan Term

Monthly Payment

$2,612

Principal & Interest: $2,612

Est. Taxes & Insurance: $653

Estimated Total Monthly

$3,265

*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$2,752

Property taxesest. at asking price, St. Johns County$688

HOAbilled monthly$54

Estimated total, before insurance$3,494/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: ~$8,300/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.

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.

Solar potential: ~1,822 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

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$517,110

Price / Sq Ft$208

Bedrooms5

Bathrooms3.00

Full Baths3

Square Footage2,483

Acres0.24 acres

Year Built2026

TypeResidential

Sub-TypeSingle Family Residence

StyleCraftsman, Other

Property ConditionUnder Construction

StatusPending

# of Garages3

Has PoolNo

Is WaterfrontYes

New ConstructionYes

Community Information

Address190 Blind Oak Circle, St. Johns, FL 32095

Area306-World Golf Village Area-NE

SubdivisionBannon Lakes

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32095

Lot Size10,454.4 sq ft

Parcel Number0270181310

Amenities

AmenitiesBasketball Court, Clubhouse, Dog Park, Fitness Center, Jogging Path, Park, Pickleball, Playground, Tennis Court(s)

UtilitiesCable Available, Electricity Connected, Natural Gas Available, Natural Gas Connected, Sewer Connected, Water Available

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Garage Door Opener, On Street

ViewPond, Other

Waterfront TypePond

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, Gas Cooktop, Gas Oven, Microwave, Refrigerator, Tankless Water Heater

HeatingElectric, Heat Pump

CoolingCentral Air, Electric

FlooringCarpet, Tile, Vinyl

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, Gas Dryer Hookup, Washer Hookup