86 ROCK SPRING Loop, Saint Augustine, FL, 32095
About This Home
Welcome to this stunning 2 Bedroom +Office/Flex room, 2 Bath Duplex home nestled in the gated 55+ community of Bridge Bay at Bannon Lakes. Sitting on a serene private lake in the heart of popular St Johns County, this beautifully upgraded home features an open-concept layout with very up to date finishes throughout and many exceptional upgrades. The incredible Kitchen is perfect for entertaining with imported stone countertops, extra large pantry, spacious center island, upgraded stainless steel appliances, & custom tile backsplash. More fabulous features include two car garage, paver driveway & patio, 9' ceilings, custom plantation blinds on every window, power retractable screens on the extended patio inside the fenced yard sloping to the Pond. Other highlights are Porcelain Tile floors, tankless WH, a water softener, weathered wood accents, crown molding in every room, custom ceiling fans and new light fixtures. The Owner's suite offers a quiet retreat with tray ceiling, ensuite bath, frameless glass shower, stone top vanities, and a huge walk-in Custom Closet. Both Primary and Guest Bedrooms can accommodate King size bedroom sets. The Flex Room has built-in cabinetry that makes the perfect Office. All exterior maintenance is covered by association dues - roof, siding, painting, lawn maintenance, fertilization, irrigation, shrubs, & gated Security. Among the amazing Amenities are a state of the art Fitness Center, BBQ area, Fire Pit, two Pools, Pickleball and Tennis Courts, a Dog Park, the Kids' Park, and a Clubhouse with Daily Activities Posted. Life Here is Good! 1597 Spaces
Getting Around
Car-Dependent
Very Limited Transit
Somewhat BikeableSchools
Construction
Condition
- Year built: 2019
Materials
- Roof: Shingle
- Construction materials: Frame,Stucco
Type & Style
- Home type: SingleFamily
- Property subType: Half Duplex
Interior
Appliances
- Appliances included: Dishwasher,Disposal,Dryer,Gas Range,Ice Maker,Microwave,Refrigerator,Tankless Water Heater,Washer
Bedrooms & Bathrooms
- Bedrooms: 2
- Bathrooms: 2
- Full bathrooms: 2
Features
- Breakfast Bar,Ceiling Fan(s),Entrance Foyer,Primary Bathroom - Shower No Tub,Split Bedrooms,Walk-In Closet(s)
- Flooring: Tile
Heating & Cooling
- Heating features: Central,Electric
- Cooling features: Central Air,Electric
Interior Area
- Total interior livable area: 1,547 sqft
Property
Details
- Parcel number: 0270151290
- Attached to another structure: Yes
- Zoning description: Residential
Features
- Levels: One
- Stories: 1
- Patio & porch: Patio,Porch,Rear Porch,Screened,Terrace
- Has view: Yes
- View description: Pond
- Has water view: Yes
- Water view: Pond
- On waterfront: Yes
- Waterfront features: Pond
Lot
- Lot size: 4,356 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
- Hurricane
- Inland Flooding
- Tornado
- Heat Wave
- Wildfire
- Tsunami
How This Home’s Risks Compare
FEMA Declared Disasters in St. Johns County and Florida
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
| Monthly | Annual | |
|---|---|---|
| Mortgage | $1,868 | $22,416 |
| Home Insurance * | $190 | $2,280 |
| Property Taxes | $507 | $6,084 |
| Electricity | $197 | $2,366 |
| Total | $2,762 | $33,144 |
Income You'd Need if You Spent...
Florida FAIR Plan Programs
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.
Comparing Against the Market
Price Per Sq Ft
vs Other Active Listings
Avg $/sqft
vs Homes Sold Last Month
Median $/sqft
Current Market Trends
Median Price Per Square Foot
The median price per square foot of homes sold in this area each month. Compare this to this listing's price per square foot to gauge whether the home is priced in line with recent sales.
Historicals for This Listing
Zestimate History ($/sqft)
Price History
| Date | Event | Price |
|---|---|---|
| 2026-05-03 | Listed for sale | $369,500 |
| 2025-05-23 | Sold | $380,000 |
| 2025-05-12 | Pending sale | $385,000 |
| 2025-03-10 | Price change | $385,000 |
| 2025-02-13 | Price change | $398,500 |
| 2024-10-26 | Listed for sale | $410,000 |
| 2022-06-15 | Sold | $390,000 |
| 2022-04-06 | Pending sale | $410,000 |
| 2022-03-30 | Listed for sale | $410,000 |
| 2019-07-31 | Sold | $288,600 |
| 2019-02-25 | Listing removed | -- |
| 2018-11-30 | Listed for sale | -- |
View on Zillow