Ask Ben.
Ask Ben.
(904) 595-8967

Benjamin Subercaseaux, Sales Associate · Florida Homes Realty & Mortgage

$532,000

40 IRON SIGHT Drive, St. Johns, FL 32095

Bannon Lakes

Price
$532,000
Beds / Baths
4 / 3
Living area
2,239 sqft
Year built
2026
Type
Residential
Lot
0.18 ac
Garage
3
HOA
$54/mo
CDD
Yes
Flood zone
Unknown
County
St. Johns
Days on market
20

Welcome to the Ashby, a thoughtfully designed open-concept home featuring 4 bedrooms, 3 bathrooms, and a spacious 3-car garage. The gourmet kitchen is appointed with dark quartz countertops, white cabinetry, a Flow Frost tile backsplash, a large center island, and a Whirlpool appliance suite with a wood hood, gas cooktop, microwave and oven tower, dishwasher, and refrigerator. Luxury Vinyl Plank flooring extends throughout the main living areas, while pocket sliding glass doors connect the tray-ceiling gathering room to the covered lanai. Additional features include a Smart Home Package, 8-foot interior doors, upgraded bathrooms, a gas line stub, and designer-selected upgrades throughout. Residents also enjoy a 4,000-square-foot amenity center with a fitness facility, resort-style pool, playground, tennis and pickleball courts, scenic walking trails, and two dog parks. Schedule your private tour today!

What to check on this one

  • Confirm exact flood zone designation and obtain elevation certificate if in AE/VE
  • Verify CDD bond payoff amount and remaining assessment schedule
  • Review HOA/CDD combined monthly obligations and any special assessments
  • Confirm builder warranty coverage details and transferability to buyer
  • Inspect Smart Home Package components and obtain all access credentials/manuals

Flagged from the listing itself — not an inspection, and no substitute for one. Bring these to the showing.

What this home really costs per month

Principal & interest$2,760/mo
Property tax (1.1% eff., St. Johns Co.)$488/mo
Homeowners insurance (est.)$310/mo
HOA$54/mo
CDD assessment (est.)$167/mo
All-in monthly (est.)$3,779/mo

Loan $425,600 at 6.75% · 30 yr

Not a loan quote. Rate, insurance, and tax are stated assumptions — a lender and an insurance agent give real numbers. Homestead exemption lowers taxes after you file.

Listing courtesy of PULTE REALTY OF NORTH FLORIDA, LLC.. Data via realMLS (Northeast Florida MLS), updated Jul 22, 2026, 12:45 PM.

IDX information is provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.