This home is in Bannon Lakes, St. Johns.

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Active

Active·62 days on market·Bannon Lakes

409 Blind Oak Circle

St. Johns, FL 32095

$398,000$264/sqftEst. $2,118/moMLS# 2145232

Beds

Baths

1,510

Sq Ft

2026

Built

Garage

Pool

About this home

Bannon Lakes

Step into the Drayton, a thoughtfully designed open-concept home showcasing charming craftsman-style architecture and modern comfort throughout. This inviting floor plan features 4 spacious bedrooms, 2 full bathrooms, and a 2-car garage. Luxury vinyl plank flooring flows through the main living areas, creating a seamless connection between the expansive gathering room and the covered lanai. The beautifully appointed kitchen comes with quartz countertops, a full Whirlpool appliance package, bright white cabinetry, a Flow Tender gray tile backsplash, and a large center island. Additional features include a Smart Home package, upgraded 8-foot interior doors, and a variety of stylish finishes throughout the home. Residents also enjoy access to a premier 4,000-square-foot amenity center featuring a resort-style pool, state-of-the-art fitness center, playground, tennis and pickleball courts, scenic walking trails, and two dedicated dog parks. Contact us today to schedule your private tour!

Cost to own

Mortgage calculator

Home Price

$398,000

Down Payment: 20%

$79,600

Interest Rate: 6.49%

Loan Term

Monthly Payment

$2,010

Principal & Interest: $2,010

Est. Taxes & Insurance: $503

Estimated Total Monthly

$2,513

*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$2,118

Property taxesest. at asking price, St. Johns County$530

HOAbilled monthly$54

Estimated total, before insurance$2,702/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: ~$6,400/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 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.

History

Price & status history

May 14, 2026Listed$398,000

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

Features

Price$398,000

Price / Sq Ft$264

Bedrooms4

Bathrooms2.00

Full Baths2

Square Footage1,510

Acres0.12 acres

Year Built2026

TypeResidential

Sub-TypeSingle Family Residence

StyleCraftsman

Property ConditionUnder Construction

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

New ConstructionYes

Community Information

Address409 Blind Oak Circle, St. Johns, FL 32095

Area306-World Golf Village Area-NE

SubdivisionBannon Lakes

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32095

Lot Size5,227.2 sq ft

Parcel Number0270180630

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 Range, Microwave, Refrigerator

HeatingElectric, Heat Pump

CoolingCentral Air, Electric

FlooringCarpet, Tile, Vinyl

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Gas Dryer Hookup, Washer Hookup