This home is in Bannon Lakes, St. Augustine — a new construction home in St. Johns County.
Pending·56 days on market·Bannon Lakes
372 Blind Oak Circle
St. Augustine, FL 32095
25 more homes for sale in Bannon Lakes →Search Bannon Lakes on the map
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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
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.
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.
- • 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.
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 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 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 | $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.
History
Price & status history
- Sep 23, 2026Pending$489,500
- Sep 10, 2026Price change$489,500−$5,000
- Aug 21, 2026Price change$494,500+$7,500
- 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
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: PULTE REALTY OF NORTH FLORIDA, LLC.
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.
View all Bannon Lakes homes for sale →Keep looking
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Krista Fracke
Broker Associate
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Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines