This home is in Bannon Lakes, St. Augustine — a home near Tocoi Creek High School.
Active·Listed today·Bannon Lakes
679 Cedar Preserve Lane
St. Augustine, FL 32095
26 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
Big home. Bigger homesite. Exceptional setting. Built in 2023, this impressive Pulte Oakhurst offers 5 bedrooms, 3 full baths, a 3-car garage and 3,683 sq. ft. of living space on an oversized 0.43-acre cul-de-sac homesite with beautiful preserve views in Bannon Lakes. Designed for both everyday living and entertaining, the expansive floor plan features generous gathering spaces, upgraded lighting and fixtures, and a custom built-in entertainment center that anchors the main living area. But the real showstopper is outside. The fully fenced backyard offers an incredible amount of usable space with peaceful preserve views and room to create the outdoor retreat you've been dreaming about. A custom pool design has already been created for the property, showcasing just how beautifully a pool and outdoor living area can fit while still leaving plenty of backyard to enjoy.
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 (that applies to the reference bill above too).
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.
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 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 homeThis 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.
Sun & Light
West-facing backyard — the sunset lot
The listing reports the home facing east, which puts the backyard on the west side. Today at this address: sunrise 7:19 AM, sunset 7:11 PM.
- Sunsets happen over your own backyard — and in summer the rear takes the full afternoon sun, so the lanai runs hottest of any orientation from about 3pm on.
- A pool back here is the warmest in town and glitters in the evening; expect afternoon glare on west-facing glass and real value in lanai screening or shade trees.
- Morning coffee happens in shade; the front of the home takes the sunrise.
Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.
Cost to own
Taxes & assessment
2025 property taxes (current owner): $10,475/yr
Estimated taxes if purchased at asking price: ~$10,700/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.
History
Price & status history
- Oct 1, 2026Listed$669,990
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: BERKSHIRE HATHAWAY HOMESERVICES, FLORIDA NETWORK REALTY
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
More homes in Bannon Lakes
For Sale424 Cedar Preserve LaneSt. Augustine, FL 32095
5 bd · 4.5 ba · 3,450 sq ft
$760,000Est. $4,045/moWelcome to 424 Cedar Preserve Ln in the highly desirable Preserve at Bannon Lakes -- a beautifully upgraded 5-bedroom,…
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For Sale424 Cedar Preserve LaneSt. Augustine, FL 32095
5 bd · 4.5 ba · 3,450 sq ft
$799,000Est. $4,253/moWelcome to 424 Cedar Preserve Ln in the highly desirable Preserve at Bannon Lakes -- a beautifully upgraded 5-bedroom,…
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Pending40 Iron Sight DriveSt. Johns, FL 32095
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$532,000Est. $2,832/moWelcome to the Ashby, a thoughtfully designed open-concept home featuring 4 bedrooms, 3 bathrooms, and a spacious 3-car…
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For Sale661 Blind Oak CircleSt. Augustine, FL 32095
5 bd · 3 ba · 2,487 sq ft
$530,000Est. $2,821/moBuilt in 2023 and loaded with owner upgrades, this Pulte Trailside home sits on one of the rare extended lots in The…
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Your Local Realtor
Krista Fracke
Broker Associate
Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.
Text Krista about this home20+ years · 500+ closings · NE Florida
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Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines