This home is in Bannon Lakes, St. Augustine — a home near Tocoi Creek High School.
Sold·Closed Aug 18, 2026·59 days on market·Recent sales in Bannon Lakes·Bannon Lakes
39 Crystal Crest Lane
St. Augustine, FL 32095
24 more homes for sale in Bannon Lakes →Search Bannon Lakes on the map
About this home
Bannon Lakes
Welcome to your DREAM home in St. Augustine! This beautiful 2020 Lennar ''Jessica'' floor plan offers amazing features: pavered driveway, versatile dedicated office space, tankless water heater, upgraded lighting, & a 2-car garage. This home provides an open-concept layout with 10 ft ceilings & showcases gorgeous ceramic wood-look tile flooring throughout the main living areas. The gourmet kitchen is a chef's delight with premium quartz countertops, 42-inch upper cabinets, a walk-in pantry, and upgraded appliances including a 6-burner gas range. Relax on your screened-in, pavered lanai or enjoy a spacious owner's suite complete with raised vanity & walk-in shower. Nestled in a highly sought-after Bannon Lakes, residents enjoy top-tier community amenities including a clubhouse, sparkling pool, fitness room, tennis courts, playground, and walking/jogging paths. Incredible location close to historic downtown St. Augustine, beautiful beaches, & zoned for top-rated St. Johns County school!
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.
This bill runs well above the county-average estimate — usually the sign of a CDD or special assessment on this home. We confirm the exact line (and whether a bond was ever prepaid) before you offer.
- • 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 2020)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,761 usable sun-hours per year
A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.
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
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $359,454 | $234,615 | — |
| 2024 | $364,276 | $227,155 | — |
| 2023 | $364,276 | $218,937 | — |
| 2022 | $316,148 | $215,458 | — |
| 2021 | $258,212 | $207,712 | — |
| 2020 | $55,000 | $55,000 | — |
2025 property taxes (current owner): $6,704/yr
Estimated taxes if purchased at asking price: ~$5,600/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 19, 2026Closed$349,900
- Jun 20, 2026Listed$349,900
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 $232/sq ft; this home is listed at $232/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 31 Crystal Crest Lane, St. Augustine, FL 32095Listed by UNITED REAL ESTATE GALLERY | Aug 2026 | $350,000 | $205 | 3/2.5 | 1,710 | 9 | 0 |
| 228 River Mist Drive, St. Augustine, FL 32095Listed by NEEDHAM REALTY GROUP | Sep 2026 | $405,000 | $208 | 3/2.5 | 1,943 | 499 | 0.1 |
| 293 Bluejack Lane, St. Augustine, FL 32095Listed by DJ & LINDSEY REAL ESTATE | May 2025 | $372,600 | $225 | 4/2 | 1,653 | 66 | 0.1 |
| 45 Bluejack Lane, St. Augustine, FL 32095Listed by ENDLESS SUMMER REALTY | Oct 2026 | $370,000 | $245 | 3/2 | 1,508 | 41 | 0.2 |
| 89 Yellowfin Drive, St. Augustine, FL 32095Listed by WATSON REALTY CORP | Jun 2026 | $384,000 | $232 | 4/2 | 1,653 | 7 | 0.2 |
| 151 Ash Breeze Cove, St. Augustine, FL 32095Listed by COLDWELL BANKER VANGUARD REALTY | Aug 2026 | $455,000 | $271 | 3/2 | 1,678 | 8 | 0.3 |
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: INI 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.
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Aug 18, 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
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