This home is in Bannon Lakes, St. Augustine.

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Active

Active·47 days on market·Bannon Lakes

424 Cedar Preserve Lane

St. Augustine, FL 32095

$799,000$232/sqftEst. $4,253/moMLS# 2147603

Beds

Baths

3,450

Sq Ft

2023

Built

Garage

Pool

About this home

Bannon Lakes

Welcome to 424 Cedar Preserve Ln in the highly desirable Preserve at Bannon Lakes -- a beautifully upgraded 5-bedroom, 4.5-bath home PLUS office and BONUS room, blending luxury finishes, smart features, and effortless Florida living! Designed with entertaining in mind, this home features BIG 9' ceilings and 8' doors downstairs, recessed lighting as well as upgraded fixtures throughout, smart switches, locks and ceiling fans in every room, and an open-concept layout centered around a gorgeous GOURMET kitchen with ISLAND and breakfast bar complete with quartz countertops, gas cooktop, stainless steel appliances, under-cabinet lighting, and a LARGE walk-in pantry! A STUNNING 8' triple sliding patio door (completely hidden when opened!!), creates true indoor-outdoor living, leading you to the screened in paver patio featuring a fully equipped SUMMER KITCHEN, built-in outdoor speakers, and peaceful LAKE-TO-PRESERVE views!

Cost to own

Mortgage calculator

Home Price

$799,000

Down Payment: 20%

$159,800

Interest Rate: 6.49%

Loan Term

Monthly Payment

$4,036

Principal & Interest: $4,036

Est. Taxes & Insurance: $1,009

Estimated Total Monthly

$5,045

*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$4,253

Property taxesest. at asking price, St. Johns County$1,063

HOAbilled monthly$54

Estimated total, before insurance$5,370/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

Last sold: $751,400 in July 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$573,669	$0	—
2024	$573,314	$0	—
2023	$120,000	$120,000	—

2025 property taxes (current owner): $3,383/yr

Estimated taxes if purchased at asking price: ~$12,800/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: 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 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 28, 2026Listed$799,000

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

Features

Price$799,000

Price / Sq Ft$232

Bedrooms5

Bathrooms4.50

Full Baths4

Half Baths1

Square Footage3,450

Acres0.19 acres

Year Built2023

TypeResidential

Sub-TypeSingle Family Residence

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontYes

Community Information

Address424 Cedar Preserve Lane, St. Augustine, FL 32095

Area306-World Golf Village Area-NE

SubdivisionBannon Lakes

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32095

Lot Size8,276.4 sq ft

Parcel Number0270183480

Amenities

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

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener, Off Street

ViewLake, Trees/Woods

Waterfront TypeLake Front

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Guest Suite, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Smart Home, Smart Thermostat, Walk-In Closet(s)

AppliancesDisposal, Electric Oven, Freezer, Gas Cooktop, Gas Water Heater, Ice Maker, Microwave, Refrigerator, Tankless Water Heater, Water Softener Owned

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringCarpet, Tile

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, Gas Dryer Hookup, In Unit, Upper Level, Washer Hookup