This home is in Bannon Lakes, St. Johns — a new construction home in St. Johns County.
Pending·122 days on market·Bannon Lakes
409 Blind Oak Circle
St. Johns, FL 32095
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
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
| 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: ~$6,300/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 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 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
- Jul 29, 2026Pending$393,000
- Jul 24, 2026Price change$393,000−$5,000
- May 14, 2026Listed$398,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
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: PULTE REALTY OF NORTH FLORIDA, LLC.
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Krista Fracke
Broker Associate
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