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

Benjamin Subercaseaux, Sales Associate · Florida Homes Realty & Mortgage

$365,800

278 ROCK SPRING Loop, St. Johns, FL 32095, St. Johns, FL 32095

Bridge Bay At Bannon Lakes

Price
$365,800
Beds / Baths
2 / 2
Living area
1,547 sqft
Year built
2017
Type
Residential
Lot
0.1 ac
Garage
2
HOA
$388/mo
CDD
Yes
Flood zone
Unknown
County
St. Johns
Days on market
18

$236/sqft asking, vs a $206/sqft median across 1,018 closed sales in 32095 over the last 12 months — 15% above the area's closed prices. Condition and lot vary; that's what a showing is for.

Time to Call This Home! Welcome to this beautifully upgraded 2-bedroom, 2-bath villa with a versatile flex room in the sought-after, gated Bridge Bay at Bannon Lakes 55+ community in St. Augustine. Designed for comfort, style, and low-maintenance living, this move-in-ready home offers exceptional upgrades and resort-style amenities. The kitchen is truly the heart of the home, featuring 42-inch soft-close cabinetry, brand new quartz countertops, a new designer tile backsplash, new sink, convenient pull-out spice rack, stylish pendant lighting, a large island with seating, and a full suite of stainless-steel appliances, including the refrigerator. Whether you're preparing dinner or entertaining friends, this space is sure to impress. The owner's suite offers a walk-in closet and a en-suite bath with a dual vanity, private water closet, and tiled walk-in shower with built-in seat. A flexible bonus room provides the perfect space for a home office, den, hobby room, or guest accommodation. Thoughtful upgrades throughout the home include, whole-house water softener and water filtration system, tile flooring throughout--no carpet, crown molding, and upgraded lighting and fixtures, custom window treatments, including blackout shades and elegant plantation shutters, tankless natural gas water heater, epoxy-coated garage floor with anti-slip finish, attic storage, and paver driveway. Enjoy Florida living from the covered, screened paver lanai, overlooking a fenced backyard that's perfect for relaxing or entertaining. Located in a natural gas community, the home also offers gas service for the range, dryer, and outdoor grill. The HOA provides true maintenance-free living, covering lawn care, irrigation, pest control, and exterior maintenance, so you can spend more time enjoying everything the community has to offer. Residents enjoy exclusive access to Bridge Bay's private pool, fire pit, and grilling area, as well as the outstanding amenities at Bannon Lakes, including Resort-style walk-in pool, fitness center, tennis courts, clubhouse, dog park, and recreational activities This exceptional villa combines modern upgrades, quality construction, and an active lifestyle in one of St. Augustine's premier gated 55+ communities. Schedule your private showing today and discover the carefree Florida lifestyle you've been waiting for!

What to check on this one

  • Confirm flood zone designation and obtain elevation certificate if in AE/VE
  • Review CDD bond payoff amount and remaining assessment obligations
  • Verify HOA rental restrictions—55+ community may limit short-term leases
  • Inspect roof condition and confirm installation date for insurance eligibility
  • Obtain 55+ community milestone inspection report and financial statements

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$1,898/mo
Property tax (1.1% eff., St. Johns Co.)$335/mo
Homeowners insurance (est.)$292/mo
HOA$388/mo
CDD assessment (est.)$167/mo
All-in monthly (est.)$3,080/mo

Loan $292,640 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 COLDWELL BANKER VANGUARD REALTY. Data via realMLS (Northeast Florida MLS), updated Aug 25, 2026, 5:52 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.