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 waterfront home in St. Johns County.

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Active

Active·Listed today·Bannon Lakes

114 Bluejack Lane

St. Augustine, FL 32095

$459,900$229/sqftEst. $2,362/moMLS# 2161324

Beds

Baths

2,008

Sq Ft

2017

Built

Garage

Pool

About this home

Bannon Lakes

SPECTACULAR LONG LAKE VIEWS! Perfectly positioned on one of Bannon Lakes' beautiful lakes, this light-filled home enjoys an exceptional waterfront setting with sweeping views down the length of the lake and two picturesque fountains. The open, inviting floor plan features a spacious great room with sliding glass doors opening to a covered lanai, extended paver patio and fenced backyard--creating the perfect setting for outdoor dining, entertaining or simply relaxing by the water. The kitchen is designed for gathering with granite countertops, abundant white cabinetry, stainless steel appliances, a four-burner gas cooktop, subway tile backsplash, pendant lighting, filtered water, walk-in pantry and a large island with bar seating. Ideally located close to Bannon Lakes' outstanding amenities and the school bus stop! The spacious owner's suite overlooks the lake and features a large walk-in wardrobe closet and generously sized shower. Three additional bedrooms offer wonderful flexibility

Cost to own

Mortgage calculator

Home Price

$459,900

Down Payment: 20%

$91,980

Interest Rate: 6.65%

Loan Term

Monthly Payment

$2,362

Principal & Interest: $2,362

Property taxes (est.): $612

Insurance (est.): $307

Estimated Total Monthly

$3,281

*30-year loan at 6.65% APR (avg 30-yr rate 2026-08-20, 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 · 6.65% · 30yr$2,362

Property taxesest. at asking price, St. Johns County$612

HOAbilled annually$33

Estimated total, before insurance$3,007/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$7,685/yr · $640/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): $7,685/yr

Estimated taxes if purchased at asking price: ~$7,300/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.

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 2017)

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

Solar potential: ~1,685 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

Aug 21, 2026Listed$459,900

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

Features

Price$459,900

Price / Sq Ft$229

Bedrooms4

Bathrooms2.00

Full Baths2

Square Footage2,008

Total Structure Area2,893 sq ft

Acres0.17 acres

Year Built2017

TypeResidential

Sub-TypeSingle Family Residence

StyleCraftsman, Ranch, Traditional

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontYes

School Information

ElementaryMill Creek Academy

MiddleMill Creek Academy

HighTocoi Creek

Community Information

Address114 Bluejack Lane, St. Augustine, FL 32095

Area306-World Golf Village Area-NE

SubdivisionBannon Lakes

CitySt. Augustine

CountySt. Johns

StateFL

Zip Code32095

Lot Size7,405.2 sq ft

Lot Dimensions63 x 122 x 63 x 120

Parcel Number0270140490

ZoningResidential

Amenities

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

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage

ViewLake, Water

Waterfront TypeLake Front

Interior

Interior FeaturesBreakfast Bar, Entrance Foyer, Kitchen Island, Open Floorplan, Primary Bathroom - Shower No Tub, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Disposal, Gas Range, Microwave, Refrigerator, Tankless Water Heater

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringCarpet, Tile

# of Stories1

LevelsOne