This home is in Bannon Lakes, St. Augustine — a home near Tocoi Creek High School.
Active·1 day on market·Bannon Lakes
264 Cedar Preserve Lane
St. Augustine, FL 32095
24 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
$25,000 SELLER INCENTIVE TOWARD INTEREST RATE BUY DOWN! Stunning 5 bedroom, 4.5 bath WATER-VIEW HOME with 3-CAR GARAGE, HUGE BONUS ROOM & NO CARPET THROUGHOUT! A charming covered front porch and custom glass entry door welcome you into an impressive foyer showcasing gorgeous water views! This spacious home features a STACKED STONE ELECTRIC FIREPLACE, elegant tray ceilings & convenient garage-entry drop zone. The DOWNSTAIRS GUEST SUITE with FULL BATH is ideal for MULTIGENERATIONAL LIVING or guests! Upstairs offers generously sized bedrooms and an ENORMOUS BONUS ROOM perfect for a media room, game room or additional living space! Enjoy peaceful WATER VIEWS from your FULLY FENCED BACKYARD with EXTENDED PAVER PATIO and ROOM FOR A FUTURE POOL! Incredible opportunity to own a spacious, versatile home with $25,000 TOWARD AN INTEREST RATE BUY DOWN! Schedule your showing TODAY!
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.
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 2022)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,614 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 homeAs of October 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.
Around this address
Nearby, from public data
The closest public beach, park, water access, league fields and grocery store from this home's location.
Closest beach parking
Guana Reserve dirt lotabout 7 mi · 60 parking spaces
Closest park or preserve
Stokes Landing Conservation Area15 min drive · 1.9 mi of trails
Closest public boat ramp
Trout Creek Park Boat Rampabout 7 mi · St. Johns River - Trout Creek (St. Augustine)
Closest kayak & paddleboard launch
Nocatee Landing Park – Paddlecraft Rampabout 6 mi · Tolomato River
Closest youth league fields
Mill Creek Park13 min drive · Baseball
Closest grocery store
Costco7 min drive · 215 World Commerce Parkway, St. Augustine
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.
Cost to own
Taxes & assessment
2025 property taxes (current owner): $11,021/yr
Estimated taxes if purchased at asking price: ~$11,200/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 26, 2026Active$699,990
- Oct 23, 2026Listed$699,990
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Closed sales
What sold nearby
Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $234/sq ft; this home is listed at $215/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 49 Orchard Lane, St. Augustine, FL 32095Listed by RE/MAX BLUE COAST | Aug 2026 | $615,000 | $229 | 4/3 | 2,685 | 39 | 0.2 |
| 690 Cedar Preserve Lane, St. Augustine, FL 32095Listed by ERA ONETEAM REALTY | Aug 2026 | $859,000 | $249 | 5/4.5 | 3,454 | 63 | 0.3 |
| 59 Greenhead Court, St. Augustine, FL 32095Listed by NON MLS (realMLS) | Jun 2026 | $536,240 | $234 | 5/3 | 2,296 | 0 | 0.3 |
| 123 Blind Oak Circle, St. Augustine, FL 32095Listed by PULTE REALTY OF NORTH FLORIDA, LLC. | May 2026 | $516,485 | $208 | 5/3 | 2,483 | 87 | 0.3 |
| 94 Almond Point, St. Augustine, FL 32095Listed by BERKSHIRE HATHAWAY HOME SERVICES FLORIDA NETWORK REALTY | May 2026 | $559,000 | $237 | 3/2.5 | 2,359 | 5 | 0.3 |
| 568 Blind Oak Circle, St. Augustine, FL 32095Listed by PULTE REALTY OF NORTH FLORIDA, LLC. | Feb 2026 | $519,000 | $187 | 4/2.5 | 2,782 | 190 | 0.3 |
Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: HOMESMART
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
Under Contract679 Cedar Preserve LaneSt. Augustine, FL 32095
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For Sale424 Cedar Preserve LaneSt. Augustine, FL 32095
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$740,000Est. $3,939/moWelcome to 424 Cedar Preserve Ln in the highly desirable Preserve at Bannon Lakes -- a beautifully upgraded 5-bedroom,…
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Pending181 Cedar Preserve LaneSt. Johns, FL 32095
5 bd · 3 ba · 2,466 sq ft
$570,097Est. $3,034/moMODEL HOME NOW FOR SALE! Don't miss your last chance to own this professionally designed model home on an oversized…
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Pending175 Cedar Preserve LaneSt. Johns, FL 32095
3 bd · 3 ba · 2,140 sq ft
$559,000Est. $2,975/moMODEL HOME NOW FOR SALE! Don't miss your last chance to own this professionally designed model home on an oversized…
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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.
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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines