$424,900
187 FALLEN OAK Trail, St. Augustine, FL 32095, St. Augustine, FL 32095
Bannon Lakes
- Price
- $424,900
- Beds / Baths
- 4 / 3
- Living area
- 2,234 sqft
- Year built
- 2021
- Type
- Residential
- Lot
- 0.17 ac
- Garage
- 2
- HOA
- $33/mo
- CDD
- Yes
- Flood zone
- Unknown
- County
- St. Johns
- Days on market
- 32
- Elementary
- Mill Creek Academy
- Middle
- Mill Creek Academy
- High school
- Tocoi Creek
$190/sqft asking, vs a $206/sqft median across 1,018 closed sales in 32095 over the last 12 months — 8% below the area's closed prices. Condition and lot vary; that's what a showing is for.
This 4 bedroom, 3 bath beauty checks every box & then some. Step inside to a bright, large open concept living & dining combo that flows straight into the kitchen with white cabinetry, black appliances, and a center island perfect for morning coffee or hosting the whole crew. The master bedroom offers just enough of a pond glimpse from the window to remind you why you love Florida living & the master bath features a dual-sink vanity with quartz counters, & a tub/shower combo. One of the guest bedrooms comes with its own private ensuite bath, making it the perfect setup for visiting family, a roommate, or a home office. 2 additional guest bedrooms & a full 3rd bath round out the split floor plan. Zoned for A-rated schools, this home also puts you inside a community with wonderful amenities. Resort-style pool, fitness center, playground, pickleball courts & a dog park all just steps from your front door. And the location? You're minutes from shopping, dining, the beaches, and historic downtown St. Augustine. Close enough to enjoy it all, far enough to come home to peace and quiet.
What to check on this one
- Verify actual flood zone designation—FEMA map shows AE/VE?
- Request CDD bond payoff amount and remaining assessment term.
- Confirm roof age documentation—2021 build means ~5 years, insurable.
- Get HOA governing docs and proof $33/mo covers what services.
- Obtain homeowners insurance quote—waterfront location may affect rates.
- Verify short-term rental eligibility with HOA/CDD covenants.
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
Loan $339,920 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 KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINE. Data via realMLS (Northeast Florida MLS), updated Aug 31, 2026, 6:46 AM.
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