This home is in Bannon Lakes, St. Johns — a new construction home in St. Johns County.
Pending·34 days on market·Bannon Lakes
409 Blind Oak Circle
St. Johns, FL 32095
41 more homes for sale in Bannon Lakes →Search Bannon Lakes on the map
See it this week
Want to walk through this home this week?
Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.
Call (904) 709-7917 Text Krista
Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
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!
Next steps in Bannon Lakes
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).
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
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.
Around this address
Nearby, from public data
The closest public beach, park, water access, league fields and grocery store from this home's location.
Closest beach parking
Guana Reserve dirt lotabout 8 mi · 60 parking spaces
Closest park or preserve
Stokes Landing Conservation Area15 min drive · 1.9 mi of trails
Closest public boat ramp
Trout Creek Park Boat Rampabout 7 mi · St. Johns River - Trout Creek (St. Augustine)
Closest kayak & paddleboard launch
Nocatee Landing Park – Paddlecraft Rampabout 7 mi · Tolomato River
Closest youth league fields
Mill Creek Park13 min drive · Baseball
Closest grocery store
Costco7 min drive · 215 World Commerce Parkway, St. Augustine
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.
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.
History
Price & status history
- Oct 13, 2026Pending$393,000
- Sep 24, 2026Active$393,000
- 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.
Closed sales
What sold nearby
Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $252/sq ft; this home is listed at $260/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 261 Flintlock Lane, St. Johns, FL 32095Listed by PULTE REALTY OF NORTH FLORIDA, LLC. | Oct 2026 | $400,000 | $233 | 3/2.5 | 1,720 | 32 | 0.1 |
| 277 Flintlock Lane, St. Johns, FL 32095Listed by PULTE REALTY OF NORTH FLORIDA, LLC. | Aug 2026 | $380,000 | $252 | 4/2 | 1,510 | 24 | 0.1 |
| 37 Greenhead Court, St. Augustine, FL 32095Listed by 904 REALTY LLC | Jul 2026 | $400,230 | $265 | 4/2 | 1,509 | 0 | 0.1 |
| 44 Greenhead Court, St. Johns, FL 32095Listed by PULTE REALTY OF NORTH FLORIDA, LLC. | Oct 2026 | $451,500 | $254 | 4/2 | 1,775 | 57 | 0.2 |
| 241 Blind Oak Circle, St. Johns, FL 32095Listed by PULTE REALTY OF NORTH FLORIDA, LLC. | Sep 2026 | $439,000 | $247 | 4/2 | 1,775 | 45 | 0.2 |
| 134 Blind Oak Circle, St. Augustine, FL 32095Listed by PULTE REALTY OF NORTH FLORIDA, LLC. | May 2026 | $434,000 | $245 | 4/2 | 1,775 | 6 | 0.2 |
Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: PULTE REALTY OF NORTH FLORIDA, LLC.
Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.
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 →Keep looking
More homes in Bannon Lakes
Pending314 Blind Oak CircleSt. Johns, FL 32095
4 bd · 2 ba · 1,510 sq ft
$389,000Est. $2,070/moWelcome to the Drayton, a thoughtfully crafted open-concept home featuring timeless Craftsman-style architecture and…
Listing Office: pulte realty of north florida, llc.
Under Contract36 Greenhead CourtSt. Augustine, FL 32095
4 bd · 2 ba · 1,509 sq ft
$399,000Est. $2,124/moLIKE NEW without the build decisions, timeline, or added expense! This upgraded 4-bedroom, 2-bath home is on a…
Listing Office: real broker llc
For Sale187 Fallen Oak TrailSt. Augustine, FL 32095
4 bd · 3 ba · 2,234 sq ft
$424,900Est. $2,261/moSellers are offering a $5,000 concession with an acceptable offer, use it toward closing costs, rate buydown, or…
Listing Office: keller williams realty atlantic partners st. augustine
Under Contract431 Bluejack LaneSt. Augustine, FL 32095
4 bd · 2 ba · 2,008 sq ft
$429,900Est. $2,288/moWelcome to this beautifully upgraded 4-br, 2-ba home. It's sparkling clean and move-in ready. The property features an…
Listing Office: berkshire hathaway homeservices florida network realty
Keep looking
Similar homes in St. Johns
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
Is this home priced right?
Ask Krista and she'll email you her read on how this price compares with recent sales nearby.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines