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. Augustine — a new construction home in St. Johns County.

1 / 35

Active

Active·3 days on market·Bannon Lakes

372 Blind Oak Circle

St. Augustine, FL 32095

$487,000$212/sqftEst. $2,506/moMLS# 2153281

Beds

Baths

2,296

Sq Ft

2026

Built

Garage

Pool

About this home

Bannon Lakes

Discover the new Symphony floor plan, featuring an open-concept layout with 5 bedrooms, 3 bathrooms, and a 2-car garage. The gourmet kitchen features quartz countertops, white cabinetry, a Flow White tile backsplash, oversized island, and Whirlpool appliances, including a wood hood, gas cooktop, microwave and oven tower, dishwasher, and refrigerator. Luxury Vinyl Plank flooring extends through the main living spaces and Flex Room. The tray-ceiling gathering room leads to a covered lanai, creating an ideal setting for indoor-outdoor living. Other upgrades include a Smart Home Package, 8-foot doors, heavy glass shower door in the owner's bathroom, Matte Black Hardware, and stylish designer finishes. Community amenities include a 4,000-square-foot center with fitness facility, resort-style pool, playground, tennis and pickleball courts, walking trails, and two dog parks.

Cost to own

Mortgage calculator

Home Price

$487,000

Down Payment: 20%

$97,400

Interest Rate: 6.67%

Loan Term

Monthly Payment

$2,506

Principal & Interest: $2,506

Property taxes (est.): $648

Insurance (est.): $325

Estimated Total Monthly

$3,479

*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$2,506

Property taxesest. at asking price, St. Johns County$648

HOAbilled monthly$54

Estimated total, before insurance$3,208/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.

Cost to own

Taxes & assessment

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

Estimated taxes if purchased at asking price: ~$7,800/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: Shingle — year not disclosed (home built 2026)

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

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

Aug 13, 2026Price change$487,000−$250
Aug 10, 2026Active$487,250
Jul 29, 2026Pending$487,250
Jul 1, 2026Listed$487,250

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

Features

Price$487,000

Price / Sq Ft$212

Bedrooms5

Bathrooms3.00

Full Baths3

Square Footage2,296

Year Built2026

TypeResidential

Sub-TypeSingle Family Residence

StyleOther

Property ConditionUnder Construction

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

New ConstructionYes

Community Information

Address372 Blind Oak Circle, St. Augustine, FL 32095

Area306-World Golf Village Area-NE

SubdivisionBannon Lakes

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32095

Parcel Number0270181570

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

ViewOther

Interior

Interior FeaturesBuilt-in Features, Eat-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 Cooktop, Microwave, Refrigerator

HeatingElectric, Heat Pump

CoolingCentral Air, Electric

FlooringCarpet, Tile

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Gas Dryer Hookup, Washer Hookup