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 home near Tocoi Creek High School.

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Active

Active·Listed today·Bannon Lakes

45 Bluejack Lane

St. Augustine, FL 32095

$380,000$252/sqftEst. $1,938/moMLS# 2157688

Beds

Baths

1,508

Sq Ft

2021

Built

Garage

Pool

About this home

Bannon Lakes

Welcome to 45 Bluejack Lane -- an immaculate, model-quality home in sought-after Bannon Lakes. Beautiful upgrades throughout include a gourmet kitchen, luxury vinyl plank flooring, designer paint, custom closets, and upgraded light fixtures. The bright, open floorplan is perfect for everyday living and entertaining. Located minutes from I-95, restaurants, and shopping and zoned for top-rated St. Johns County schools, this family-friendly community offers great amenities and golf-cart friendly streets. Don't miss this opportunity to live in a move-in ready home that combines practical upgrades and elevated style in one of the area's most sought-after neighborhoods. Schedule your showing today!

Cost to own

Mortgage calculator

Home Price

$380,000

Down Payment: 20%

$76,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,938

Principal & Interest: $1,938

Property taxes (est.): $506

Insurance (est.): $253

Estimated Total Monthly

$2,697

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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 · 6.58% · 30yr$1,938

Property taxesest. at asking price, St. Johns County$506

HOAbilled annually$33

Estimated total, before insurance$2,476/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$6,807/yr · $567/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	$310,871	$247,862	—
2024	$315,371	$240,169	—
2023	$315,371	$231,717	—
2022	$273,512	$223,512	—
2021	$60,000	$54,450	—
2020	$55,000	$49,500	—

2025 property taxes (current owner): $6,807/yr

Estimated taxes if purchased at asking price: ~$6,100/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.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — year not disclosed (home built 2021)

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

Solar potential: ~1,791 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

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 30, 2026Listed$380,000

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

Features

Price$380,000

Price / Sq Ft$252

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,508

Acres0.15 acres

Year Built2021

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

School Information

ElementaryMill Creek Academy

MiddleMill Creek Academy

HighTocoi Creek

Community Information

Address45 Bluejack Lane, St. Augustine, FL 32095

Area306-World Golf Village Area-NE

SubdivisionBannon Lakes

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32095

Lot Size6,534 sq ft

Parcel Number0270140020

Amenities

AmenitiesPool, Basketball Court, Children's Pool, Clubhouse, Dog Park, Fitness Center, Jogging Path, Park, Pickleball, Playground, Tennis Court(s)

UtilitiesCable Connected, Electricity Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Garage Door Opener

Interior

Interior FeaturesBreakfast Bar, Built-in Features, Ceiling Fan(s), Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Electric Oven, Electric Water Heater, Gas Cooktop, Gas Range, Microwave, Refrigerator

HeatingCentral

CoolingCentral Air

FlooringCarpet

FireplaceYes

# of Fireplaces1

Fireplace FeaturesElectric

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Washer Hookup

SecuritySmoke Detector(s)