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677 BLIND OAK Circle, Saint Augustine, FL, 32095

5beds
3baths
2,487sqft
$485,000
$195price/sqft
$3,128/moest. monthly cost
$125,120/yrincome needed

About This Home

Why wait for new construction? Welcome to your dream home in the sought-after Preserve section of Bannon Lakes! Designed for real life., this immaculately maintained 5-bedroom, 3-bathroom residence is less than 3 years old & offers the perfect blend of modern design and comfortable living on a fully fenced preserve lot. Enjoy peace of mind & privacy while taking advantage of all the resort-style amenities this vibrant community has to offer, including a sparkling pool, fitness center, playgrounds, and sports courts. Conveniently located near I-95 and US1, Bannon Lakes provides easy access to shopping, dining, & everything Northeast Florida has to offer. Step inside to an open concept main level, where a gourmet kitchen flows seamlessly into the spacious dining and living areas--ideal for both entertaining & everyday life. The main level also features a guest bedroom & a full bathroom, perfect for visitors or multi-generational living. Upstairs, you'll find three generously sized guest bedrooms, a versatile loft living space, and a luxurious primary suite overlooking the tranquil preserve. The primary ensuite boasts a grand walk-in shower and a large walk-in closet, providing a true retreat. Laundry is conveniently located on the upper level, close to all bedrooms. Additional features include a two-car garage and extra storage space to keep everything organized. Don't miss your opportunity to own this move-in ready home in Bannon Lakes, schedule your showing today! **This home is generously priced to match builder pricing while offering numerous valuable upgrades, conveniences and exceptional lot premium

Getting Around

1
WalkingCar-Dependent
0
TransitVery Limited Transit
28
BikeSomewhat Bikeable

Schools

9/10
Mill Creek AcademyGrades PK-83.5 mi

Construction

Condition

  • Property condition: Updated/Remodeled
  • Year built: 2023

Type & Style

  • Home type: SingleFamily
  • Architectural style: Traditional
  • Property subType: Single Family Residence

Interior

Appliances

  • Appliances included: Dishwasher,Disposal,Dryer,Gas Oven,Gas Range,Microwave,Refrigerator,Tankless Water Heater,Washer
  • Laundry features: Upper Level

Bathroom3

  • Area: 50.9762
  • Dimensions: 4.93 x 10.34

Bathroom4

  • Area: 10.41
  • Dimensions: 3.47 x 3.00

Bedroom2

  • Area: 135.3834
  • Dimensions: 12.33 x 10.98

Bedroom5

  • Area: 120.0846
  • Dimensions: 10.37 x 11.58

Bedrooms & Bathrooms

  • Bedrooms: 5
  • Bathrooms: 3
  • Full bathrooms: 3

Features

  • Open Floorplan,Pantry,Primary Bathroom - Shower No Tub,Walk-In Closet(s)
  • Flooring: Carpet,Tile

Heating & Cooling

  • Heating features: Central,Electric
  • Cooling features: Central Air,Electric

Interior Area

  • Total interior livable area: 2,487 sqft

Laundry

  • Area: 54.1848
  • Dimensions: 8.56 x 6.33

Property

Details

  • Parcel number: 0270180880

Features

  • Levels: Two
  • Stories: 2
  • Patio & porch: Patio
  • Fencing: Back Yard,Vinyl
  • Has view: Yes
  • View description: Protected Preserve,Trees/Woods

Lot

  • Lot size: 4,791 sqft

Parking

  • Total spaces: 2
  • Parking features: Attached,Garage,Garage Door Opener
  • Has garage: Yes
  • Attached garage spaces: 2
  • Covered spaces: 2

Climate Risk is Financial Risk

Every home has a financial story beyond the listing price. Below, you’ll see the climate risks that could affect this property — and in Bills & Affordability, how those risks may influence repairs, insurance, utilities, and long-term value.

Biggest Threats for This Home

  • Lightning
    LightningVery High
  • Hurricane
    HurricaneRelatively High
  • Inland Flooding
    Inland FloodingRelatively High
  • Tornado
    TornadoRelatively High
  • Heat Wave
    Heat WaveModerate
  • Wildfire
    WildfireModerate
  • Tsunami
    TsunamiInsufficient Data

How This Home’s Risks Compare

Lightning
Hurricane
Inland Flooding
Tornado
Heat Wave
Wildfire
Tsunami

FEMA Declared Disasters in St. Johns County and Florida

Coastal Storm
Flood
Hurricane
Severe Storm
Straight Line Winds
Tornado
Tropical Depression
Tropical Storm

Understanding the Costs

Financial advisors generally recommend spending no more than 30% of your gross household income on housing costs. In practice, many households stretch to 35% or beyond — especially in high-cost markets.

Estimated Costs Today

MonthlyAnnual
Mortgage $2,452$29,424
Home Insurance *$250$3,000
Property Taxes $176$2,112
Electricity $250$3,003
Total$3,128$37,536
*Does not include cost of any FAIR Plan premiums

Income You'd Need if You Spent...

35% on housing$107,245/yr
40% on housing$93,840/yr
45% on housing$83,413/yr

Florida FAIR Plan Programs

Citizens Property Insurance Corporation [Florida]

Covered
WildfireWildfire
HailHail
WindWind
Visit Website →
Current Policies
Residential: 1,321,953Commercial: 13,564
Total Premiums$4.60B
Total Exposure$385.82B

How Costs Could Change Over Time

Climate risk is quickly impacting all of the major home ownership costs. Adjust the growth rates and percentage of income spent on housing below to see how your housing costs could change over the next 10 years — and what income you'd need to keep up.

Insurance Growth Rate5-year average: 13.7%
13.7%
0%30.0%
Electricity Growth Rate10-year average: 2.2%
2.2%
0%15.0%
Property Taxes Growth Rate2-year average: 1.8%
1.8%
0%15.0%
Income Spent on Housing
30%
30%45%

Comparing Against the Market

Price Per Sq Ft

$195This listing

vs Other Active Listings

Avg $/sqft

ZIP 32095$226
St. Johns County$292

vs Homes Sold Last Month

Median $/sqft

ZIP 32095$224
St. Johns County$239

Current Market Trends

Median Price Per Square Foot

The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.

Historicals for This Listing

Zestimate History ($/sqft)

Price History

DateEventPrice
2026-02-25Listed for sale$485,000
2026-02-17Pending sale$485,000
2026-01-22Listed for sale$485,000
2023-06-21Sold$511,590
2023-04-27Pending sale$513,790
2023-04-18Price change$513,790
2023-04-11Price change$519,790
2023-03-15Price change$514,790
2023-03-10Price change$579,790
2022-12-02Pending sale$530,560
2022-10-27Listed for sale$530,560

For Sale by Agent

AgentSHELBY LEIGH WARNER
BrokerageRE/MAX UNLIMITED

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