This home is in Bannon Lakes, St. Augustine.

1 / 24

Active

Active·1 day on market·Bannon Lakes

31 Crystal Crest Lane

St. Augustine, FL 32095

$350,000$205/sqftEst. $1,863/moMLS# 2151755

Beds

Baths

1,710

Sq Ft

2020

Built

Garage

Pool

About this home

Bannon Lakes

Your new home awaits! Welcome to Bannon Lakes, where modern living meets resort-style amenities in one of St. Johns County's most desirable communities. This beautifully maintained 3-bedroom, 2.5-bath home offers the perfect combination of style, functionality, and comfort. Step inside to an open-concept floor plan designed for everyday living and effortless entertaining. The gourmet kitchen is a chef's delight, featuring premium quartz countertops, 42-inch upper cabinets, a spacious walk-in pantry, and an oversized island overlooking the main living area, making it easy to stay connected while preparing meals or hosting guests. The private primary suite is designed with an expansive walk-in closet and a spacious walk-in shower, creating the perfect retreat after a long day. Step outside to your screened lanai, an ideal space for morning coffee, evening relaxation, or entertaining year-round. A paved driveway and attractive curb appeal complete this move-in-ready home.

Cost to own

Mortgage calculator

Home Price

$350,000

Down Payment: 20%

$70,000

Interest Rate: 7.00%

Loan Term

Monthly Payment

$1,863

Principal & Interest: $1,863

Est. Taxes & Insurance: $466

Estimated Total Monthly

$2,329

*Estimates based on 30-year loan at 7% APR. 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$1,863

Property taxesest. at asking price, St. Johns County$466

HOAbilled annually$40

Estimated total, before insurance$2,368/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

Year	Market value	Taxable value	Change
2025	$346,608	$295,886	—
2024	$351,422	$301,422	—
2023	$351,422	$301,422	—
2022	$304,542	$304,542	—
2021	$248,500	$248,500	—
2020	$55,000	$55,000	—

2025 property taxes (current owner): $7,529/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.

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 2020)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Solar potential: ~1,742 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 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