Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in Bannon Lakes, St. Johns — a waterfront home in St. Johns County.

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Active

Active·45 days on market·Bannon Lakes

44 Greenhead Court

St. Johns, FL 32095

$446,000$251/sqftEst. $2,295/moMLS# 2153265

Beds

Baths

1,775

Sq Ft

2026

Built

Garage

Pool

About this home

Bannon Lakes

Experience the Highgate, an open-concept home situated on a picturesque waterfront homesite. This thoughtfully designed residence features 4 bedrooms, 2 bathrooms, and an extended 2-car garage. The kitchen is beautifully appointed with quartz countertops, white cabinetry, a Crayon White picket tile backsplash, a full Whirlpool appliance package including a refrigerator, and an oversized center island. Luxury Vinyl Plank flooring flows throughout the main living areas, connecting the spacious gathering room with its elegant tray ceiling to the extended covered lanai. Designer upgrades include a Smart Home Package, upgraded hardware, 8-foot interior doors, enhanced bathrooms, and stylish finishes throughout. Residents also enjoy an exceptional 4,000-square-foot amenity center with a state-of-the-art fitness center, resort-style pool, playground, tennis and pickleball courts, scenic walking trails, and two dog parks. Schedule your private tour today.

Cost to own

Mortgage calculator

Home Price

$446,000

Down Payment: 20%

$89,200

Interest Rate: 6.67%

Loan Term

Monthly Payment

$2,295

Principal & Interest: $2,295

Property taxes (est.): $594

Insurance (est.): $297

Estimated Total Monthly

$3,186

*30-year loan at 6.67% APR (avg 30-yr rate 2026-08-13, Freddie Mac PMMS via FRED). Taxes use the county effective rate; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs 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 · 6.67% · 30yr$2,295

Property taxesest. at asking price, St. Johns County$593

HOAbilled monthly$54

Estimated total, before insurance$2,943/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,328/yr · $361/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, 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).

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$95,000	$95,000	—

2025 property taxes (current owner): $4,328/yr

Estimated taxes if purchased at asking price: ~$7,100/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: Shingle — year not disclosed (home built 2026)

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

Solar potential: ~1,813 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

As 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.

History

Price & status history

Jul 1, 2026Listed$446,000

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

Features

Price$446,000

Price / Sq Ft$251

Bedrooms4

Bathrooms2.00

Full Baths2

Square Footage1,775

Acres0.18 acres

Year Built2026

TypeResidential

Sub-TypeSingle Family Residence

StyleCraftsman, Other

Property ConditionUnder Construction

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontYes

New ConstructionYes

Community Information

Address44 Greenhead Court, St. Johns, FL 32095

Area306-World Golf Village Area-NE

SubdivisionBannon Lakes

CitySt. Johns

CountySt. Johns

StateFL

Zip Code32095

Lot Size7,840.8 sq ft

Parcel Number0270181370

Amenities

AmenitiesBasketball Court, Clubhouse, Dog Park, Fitness Center, Jogging Path, Park, Pickleball, Playground, Tennis Court(s)

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

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Garage Door Opener, On Street

ViewPond

Waterfront TypePond

Interior

Interior FeaturesEat-in Kitchen, Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Smart Home, Smart Thermostat, Walk-In Closet(s), Other

AppliancesOther, Dishwasher, Gas Range, Microwave, Refrigerator

HeatingElectric, Heat Pump

CoolingCentral Air, Electric

FlooringCarpet, Tile, Vinyl

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Gas Dryer Hookup, Washer Hookup