This home is in Bannon Lakes, St. Johns — a waterfront home in St. Johns County.
Active·1 day on market·Bannon Lakes
181 Cedar Preserve Lane
St. Johns, FL 32095
23 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
MODEL HOME NOW FOR SALE! Don't miss your last chance to own this professionally designed model home on an oversized water-view homesite tucked away on a private cul-de-sac. Discover the Trailside, where elegant Coastal design meets breathtaking waterfront scenery. Enjoy tranquil water views featuring five fountains and an extended covered lanai. The open-concept layout offers a main-level bedroom and full bath, plus an upstairs Owner's Suite, three additional bedrooms, two full baths, a loft, and laundry room. The kitchen features 42-inch white cabinetry, tile backsplash, a spacious island, and KitchenAid appliances. Smart Home technology, a washer and dryer, and designer finishes add convenience. Enjoy a 4,000-square-foot amenity center with a fitness center, resort-style pool, sports courts, walking trails, and dog parks. Special financing and closing cost assistance are available! Designer furnishings are not included in the list price; see a Sales Associate for details.
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.
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: ~1,636 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 8 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.
History
Price & status history
- Oct 23, 2026Listed$570,097
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 $229/sq ft; this home is listed at $231/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 317 Cedar Preserve Lane, St. Augustine, FL 32095Listed by VENTURE REALTY CO, LLC | Aug 2026 | $450,000 | $210 | 4/3 | 2,142 | 186 | 0.1 |
| 49 Orchard Lane, St. Augustine, FL 32095Listed by RE/MAX BLUE COAST | Aug 2026 | $615,000 | $229 | 4/3 | 2,685 | 39 | 0.1 |
| 122 Sage Hen Drive, St. Augustine, FL 32095Listed by REAL BROKER LLC | Jul 2026 | $435,000 | $208 | 4/3 | 2,096 | 95 | 0.1 |
| 44 Greenhead Court, St. Johns, FL 32095Listed by PULTE REALTY OF NORTH FLORIDA, LLC. | Oct 2026 | $451,500 | $254 | 4/2 | 1,775 | 57 | 0.3 |
| 241 Blind Oak Circle, St. Johns, FL 32095Listed by PULTE REALTY OF NORTH FLORIDA, LLC. | Sep 2026 | $439,000 | $247 | 4/2 | 1,775 | 45 | 0.3 |
| 190 Blind Oak Circle, St. Johns, FL 32095Listed by PULTE REALTY OF NORTH FLORIDA, LLC. | Aug 2026 | $515,110 | $207 | 5/3 | 2,483 | 8 | 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: PULTE REALTY OF NORTH FLORIDA, LLC.
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 Sale175 Cedar Preserve LaneSt. Johns, FL 32095
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For Sale661 Blind Oak CircleSt. Augustine, FL 32095
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Pending161 Flintlock LaneSt. Johns, FL 32095
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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