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·3 days on market·Bannon Lakes

661 Blind Oak Circle

St. Augustine, FL 32095

$530,000$213/sqftEst. $2,733/moMLS# 2157768

Beds

Baths

2,487

Sq Ft

2023

Built

Garage

Pool

About this home

Bannon Lakes

Built in 2023 and loaded with owner upgrades, this Pulte Trailside home sits on one of the rare extended lots in The Preserve at Bannon Lakes with BOTH pond and preserve views and no thru traffic!!! The open main level pairs a chef's kitchen -- quartz counters, white shaker cabinetry, custom vent hood, gas cooktop, tile backsplash, oversized island -- with a light-filled great room and dining area that open to a fully screened lanai with Private views! The downstairs suite is complete with a custom Murphy bed and shelving making it a perfect guest room, in-law space, or dedicated home office. LVP flooring, whole-home can lighting, upgraded fixtures, smart appliances, finished closets and whole-home reverse osmosis filtration throughout create a luxurious daily experience. Upstairs, the owner's suite overlooks the preserve, includes dual vanities and is split from the other rooms by a spacious Loft that acts as a second Living Room or Den!

Cost to own

Mortgage calculator

Home Price

$530,000

Down Payment: 20%

$106,000

Interest Rate: 6.69%

Loan Term

Monthly Payment

$2,733

Principal & Interest: $2,733

Property taxes (est.): $705

Insurance (est.): $353

Estimated Total Monthly

$3,792

*30-year loan at 6.69% APR (avg 30-yr rate 2026-08-06, 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 · 6.69% · 30yr$2,733

Property taxesest. at asking price, St. Johns County$705

HOAbilled monthly$54

Estimated total, before insurance$3,492/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,383/yr · $282/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

2025 property taxes (current owner): $3,383/yr

Estimated taxes if purchased at asking price: ~$8,500/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, 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 2023)

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 August 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 5, 2026Active$530,000
Jul 30, 2026Listed$530,000

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

Features

Price$530,000

Price / Sq Ft$213

Bedrooms5

Bathrooms3.00

Full Baths3

Square Footage2,487

Total Structure Area3,466 sq ft

Acres0.18 acres

Year Built2023

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Direction FacesSouthwest

School Information

ElementaryMill Creek Academy

MiddleMill Creek Academy

HighTocoi Creek

Community Information

Address661 Blind Oak Circle, St. Augustine, FL 32095

Area306-World Golf Village Area-NE

SubdivisionBannon Lakes

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32095

Lot Size7,840.8 sq ft

Parcel Number0270180860

Amenities

AmenitiesPool, Barbecue, Children's Pool, Clubhouse, Dog Park, Fitness Center, Jogging Path, Management - Off Site, Park, Pickleball, Playground, Tennis Court(s)

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

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage

ViewPond, Protected Preserve, Trees/Woods

Interior

Interior FeaturesBuilt-in Features, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Guest Suite, In-Law Floorplan, Open Floorplan, Primary Bathroom - Shower No Tub, Primary Downstairs, Smart Thermostat, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Gas Cooktop, Gas Oven, Gas Range, Gas Water Heater, Microwave, Refrigerator, Washer

HeatingCentral

CoolingCentral Air

# of Stories2

LevelsTwo

LaundryUpper Level

Spa FeaturesHeated, Above Ground, Private