Bannon Lakes

187 FALLEN OAK TRL

Saint Augustine, FL 32095
For Sale $424,900
Price cut $449,990 ↓ $25,090 (5.6%) Aug 29
4 bd · 3 ba · Built 2021
Bryce Spraggins — The HOA Collective
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Call or Text 904-747-1HOA

The data relating to real estate for sale on this website comes in part from the Internet Data Exchange (IDX) program of the Northeast Florida Multiple Listing Service, Inc. Real estate listings held by brokerage firms other than The HOA Collective LLC are marked with the listing broker's name and detailed information about such listings includes the name of the listing brokers. Data provided is deemed reliable but is not guaranteed.

Listing courtesy of KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINE (dawnxhumphrey@gmail.com). Information is deemed reliable but not guaranteed. Data from realMLS (Northeast Florida MLS). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

About This Home

Sellers are offering a $5,000 concession with an acceptable offer, use it toward closing costs, rate buydown, or updates of your choice. 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.

Estimated Monthly Payment

What Would I Pay?

Real estimated payments for this home by loan type — including this community's HOA and CDD, estimated taxes (reassessed at the purchase price) and insurance. Adjust anything below.

FHA
3.5% down · $14,872
$4,006/mo
Principal & interest$2,866
Property tax (est.)$362
Insurance (est.)$319
FHA MIP$188
HOA dues$33
CDD assessment$238
Cash to close: ~$14,872 down · MIP financed
VA
$0 down
$3,933/mo
Principal & interest$2,982
Property tax (est.)$362
Insurance (est.)$319
VA fee (financed)$0
HOA dues$33
CDD assessment$238
Cash to close: ~$0 down · VA funding fee financed
Conventional
20% down · $84,980
$3,287/mo
Principal & interest$2,335
Property tax (est.)$362
Insurance (est.)$319
PMI$0
HOA dues$33
CDD assessment$238
Cash to close: ~$84,980 down

Rate: 7.320% (Freddie Mac 30-yr avg, as of Oct 22, 2026). Taxes estimated as purchase price × 85% assessed × this property's 1.40% effective millage, plus actual HOA & CDD. Insurance is a Florida ballpark. Estimates only — your actual rate, taxes, insurance, and mortgage insurance depend on credit, lender, and underwriting. Not a loan offer or commitment.

Property Details

Home Facts

TypeSingle Family
Year built2021
SubdivisionBannon Lakes
Parcel (RE#)027014 0670
Legal description81/80-84 BANNON LAKES PHASE 1A-1 LOT 67 OR5321/1086 & 5633/87

Valuation · 2025

Value

Just / Market
$425,000
Assessed
$374,469
Taxable
$323,747
2025 Property Tax
$4,520
Homestead Exemption
Yes $50,000 exempt

Estimated 2025 ad-valorem property tax (County taxable value × millage); excludes non-ad-valorem assessments. Homestead status per the County tax roll.

HOA Dues
$399 / Annually
CDD Assessment
$2,854 / Annually

HOA dues & CDD assessments are community-level (source: MLS). Confirm current amounts with the association or management.

History

Sale History

DatePriceDeed
2021-06-30 —

Location

Map

How far to
Open in Google Maps →

Utilities

Service Providers

⚡ Electric
Florida Power & Light (FPL)
💧 Water
St. Johns County Utility Department
🚽 Sewer
St. Johns County Utility Department

Providers serving this area — please confirm service directly with the provider.

Schools

Assigned & Nearby Schools

Elementary (zoned)
Middle (zoned)
Nearby Private Schools

Zoned public schools from Duval County Public Schools attendance boundaries — magnet/choice options may also apply. Confirm enrollment with the school district.

Bryce Spraggins, Jacksonville Realtor and licensed Florida real estate broker

List With Me

Selling in Bannon Lakes? List with the Realtor built for your community.

I'm Bryce Spraggins, a Jacksonville REALTOR® and licensed Florida real estate broker — and The HOA Collective works Bannon Lakes every day. We know your covenants, your comps, and what buyers ask about your neighborhood before they ever tour it.

Got it — thank you. I'll reach out shortly at the number you gave. If it's urgent, call or text 904-747-1HOA.
See the receipts — why homeowners list with us →

Our sister company

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On the Market

Homes for Sale in Bannon Lakes

Other active MLS listings in Bannon Lakes.

The data relating to real estate for sale on this website comes in part from the Internet Data Exchange (IDX) program of the Northeast Florida Multiple Listing Service, Inc. Real estate listings held by brokerage firms other than The HOA Collective LLC are marked with the listing broker's name and detailed information about such listings includes the name of the listing brokers. Data provided is deemed reliable but is not guaranteed. © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

Questions & Answers

Frequently Asked

What schools serve 187 FALLEN OAK TRL?
The zoned public schools for 187 FALLEN OAK TRL in Bannon Lakes are K-8 School Qq (elementary), Pacetti Bay Middle School (middle), Tocoi Creek High School (high). Magnet and choice options may also apply — confirm enrollment with the district.
What are the property taxes on 187 FALLEN OAK TRL?
The most recent annual property tax for 187 FALLEN OAK TRL is about $4,520 (2025 tax year), with a homestead exemption applied. Any CDD assessment is billed in addition.
Does 187 FALLEN OAK TRL have a CDD fee?
Yes. 187 FALLEN OAK TRL is in Bannon Lakes, a Community Development District (CDD) with an assessment of approximately $2,854 per year, billed on the annual property-tax bill in addition to HOA dues.
What is the HOA fee for 187 FALLEN OAK TRL?
Homes in Bannon Lakes have an HOA fee of about $399 per year (based on recent MLS listings).
What would the monthly payment be on 187 FALLEN OAK TRL?
At about a 7.32% 30-year rate, the estimated monthly payment for 187 FALLEN OAK TRL is roughly $3,287 with a conventional loan (20% down), $4,006 with FHA (3.5% down), or $3,933 with a VA loan (0% down). Each figure includes principal and interest, estimated property taxes and insurance, mortgage insurance where applicable, plus the Bannon Lakes HOA and CDD assessment. Use the payment calculator on this page to adjust the numbers.

Property data is sourced from the St. Johns County Property Appraiser public records (view official record →). Values are appraiser estimates and may not reflect market price.