This home is in Bannon Lakes, St. Augustine — a home near Tocoi Creek High School.
Sold·Closed Aug 31, 2026·9 days on market·Recent sales in Bannon Lakes·Bannon Lakes
31 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
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.
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: 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 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 | $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.
History
Price & status history
- Aug 31, 2026Closed$350,000
- Jul 20, 2026Pending$350,000
- Jul 10, 2026Active$350,000
- Jul 10, 2026Price change$350,000
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 $231/sq ft; this home is listed at $205/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 39 Crystal Crest Lane, St. Augustine, FL 32095Listed by INI REALTY | Aug 2026 | $349,000 | $231 | 2/2 | 1,508 | 59 | 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 |
| 92 Bluejack Lane, St. Johns, FL 32095Listed by UNITED REAL ESTATE GALLERY | Jul 2026 | $419,000 | $209 | 4/2 | 2,008 | 29 | 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 |
| 116 Falcon Quest Lane, St. Augustine, FL 32095Listed by PONTE VEDRA KEY REALTY | Aug 2026 | $370,000 | $186 | 3/2 | 1,984 | 199 | 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: UNITED REAL ESTATE GALLERY
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 31, 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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