This home is in Bannon Lakes, St. Augustine — a pool home in St. Johns County.
Sold·Closed Aug 6, 2026·63 days on market·Recent sales in Bannon Lakes·Bannon Lakes
690 Cedar Preserve Lane
St. Augustine, FL 32095
24 more homes for sale in Bannon Lakes →Search Bannon Lakes on the map
About this home
Bannon Lakes
Resort-style living awaits at 690 Cedar Preserve Ln in St. Augustine. Tucked away on one of the largest lots in the neighborhood, this cul-de-sac home backs to a protected preserve, offering privacy and tranquility. Step into your private oasis featuring a newly built 15' x 30' heated pool and 7' x 7' hot tub, all enclosed in a screened lanai--perfect for year-round enjoyment and entertaining. Inside, enjoy a gorgeous kitchen, built-in bar, luxurious primary suite, bonus room, and thoughtful upgrades throughout, including a tankless water heater, water softener, custom blinds with roll-down sliding door shades, and a new glass-insert front door. A widened paver driveway adds curb appeal and functionality. Conveniently located near shopping, dining, and top-rated schools, this move-in-ready home offers the ultimate Florida lifestyle.
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.
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: material not specified — year not disclosed (home built 2023)
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.
Cost to own
Taxes & assessment
Last sold: $708,100 in November 2023(county public record, not MLS data)
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $658,420 | $389,407 | — |
| 2024 | $575,567 | $315,840 | — |
Estimated taxes if purchased at asking price: ~$13,700/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
- Aug 9, 2026Closed$869,000
- May 14, 2026Listed$869,000
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 $207/sq ft; this home is listed at $252/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 364 Beechnut Circle, St. Augustine, FL 32095Listed by NON MLS (realMLS) | Jul 2025 | $637,640 | $182 | 5/4 | 3,500 | 10 | 0.2 |
| 413 Blind Oak Circle, St. Augustine, FL 32095Listed by PULTE REALTY OF NORTH FLORIDA, LLC. | May 2026 | $473,000 | $190 | 5/3 | 2,483 | 33 | 0.3 |
| 190 Blind Oak Circle, St. Johns, FL 32095Listed by PULTE REALTY OF NORTH FLORIDA, LLC. | Aug 2026 | $515,110 | $207 | 5/3 | 2,483 | 8 | 0.4 |
| 49 Orchard Lane, St. Augustine, FL 32095Listed by RE/MAX BLUE COAST | Aug 2026 | $615,000 | $229 | 4/3 | 2,685 | 39 | 0.4 |
| 274 Flintlock Lane, St. Johns, FL 32095Listed by PULTE REALTY OF NORTH FLORIDA, LLC. | Jul 2026 | $453,314 | $183 | 5/3 | 2,483 | 23 | 0.4 |
| 316 Renwick Parkway, St. Johns, FL 32095Listed by EPIQUE REALTY, INC | Jun 2026 | $705,000 | $224 | 5/4 | 3,154 | 64 | 1 |
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
Community Information
Amenities
Interior
Additional Information
Listing Courtesy of: ERA ONETEAM REALTY
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
For Sale772 Blind Oak CircleSt. Augustine, FL 32095
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For Sale424 Cedar Preserve LaneSt. Augustine, FL 32095
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Under Contract679 Cedar Preserve LaneSt. Augustine, FL 32095
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$669,990Est. $3,566/moBig home. Bigger homesite. Exceptional setting. Built in 2023, this impressive Pulte Oakhurst offers 5 bedrooms, 3 full…
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Pending40 Iron Sight DriveSt. Johns, FL 32095
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Aug 6, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.
Text Krista about this saleHomes for sale nearby →20+ years · 500+ closings · NE Florida
Curious what nearby homes sold for?
MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines