Bannon Lakes vs Windward Ranch
Two St. Johns communities, compared on the numbers that decide it — price, pace, and supply — from live MLS data as of 2026-10-05.
| Metric | Bannon Lakes | Windward Ranch |
|---|---|---|
| Median sale price | $444K | $508K |
| Price per sq ft | $224 | $208 |
| Avg days on market | 61 days | 42 days |
| Months of supply | 2.9 mo | 1.5 mo |
| Market | Seller's Market | Seller's Market |
| 1-year price change | -8% | -2% |
| Recent closings | 66 | 32 |
The verdict
Windward Ranch carries the higher median price — about 14% above Bannon Lakes. Homes in Windward Ranch sell faster (42 days on market vs 61). Windward Ranch is the tighter market on inventory (1.5 months of supply).
Where each one is
Bannon Lakes and Windward Ranch are about 4 miles apart (straight-line, center to center) and share St. Johns County.
| Bannon Lakes | Windward Ranch | |
|---|---|---|
| County | St. Johns County, FL | St. Johns County, FL |
| City / area | St. Augustine | St. Augustine |
| ZIP | 32095 | 32092 |
| Straight-line to downtown Jacksonville | 26 mi | 31 mi |
| Nearest Atlantic beach | 9 mi, South Ponte Vedra Beach | 9 mi, Vilano Beach |
| FEMA flood zones (sampled parcels) | all 34 sampled homes outside a flood zone | 93% of 14 homes outside a flood zone (Zone X) |
Distances are straight-line; driving distance is usually 15 to 30 percent more. Flood-zone shares come from FEMA flood maps matched to sampled parcels; always check the exact address before you close.
What is for sale today
| Bannon Lakes | Windward Ranch | |
|---|---|---|
| Homes for sale now | 16 | 4 |
| Under contract | 10 | 3 |
| Asking prices today | $360K to $899K | $385K to $480K |
| Listed in the last 7 days | 5 | 0 |
| Property types listed | Single Family Residence | Single Family Residence |
Live MLS counts, refreshed with every listing pull. Browse them: Bannon Lakes homes for sale · Windward Ranch homes for sale.
The homes themselves
| Bannon Lakes | Windward Ranch | |
|---|---|---|
| Homes (parcels) | 337 | 258 |
| Built | 2017–2024 (median 2021) | 2015–2022 (median 2019) |
| Typical living area | 2,269 sq ft | 2,612 sq ft |
| Homesteaded (owner-occupied) share | 48% | 74% |
| Vacant lots | 173 | 0 |
Housing-stock figures from the Florida Department of Revenue 2025 assessment roll (public records).
Price history, year by year
| Year | Bannon Lakes median | Windward Ranch median |
|---|---|---|
| 2017 | $269K (5 sales) | $315K (29 sales) |
| 2018 | $265K (30 sales) | $309K (42 sales) |
| 2019 | $310K (57 sales) | $316K (41 sales) |
| 2020 | $324K (70 sales) | $333K (52 sales) |
| 2021 | $314K (54 sales) | $364K (65 sales) |
| 2022 | $474K (44 sales) | $460K (42 sales) |
| 2023 | $477K (60 sales) | $550K (46 sales) |
| 2024 | $508K (55 sales) | $480K (26 sales) |
| 2025 | $474K (51 sales) | $462K (20 sales) |
| 2026 | $450K (67 sales) | $505K (32 sales) |
Since 2017, Bannon Lakes's median sale price is +67% and Windward Ranch's is +60% — Bannon Lakes has appreciated faster over that stretch.
How each one trades
| Bannon Lakes | Windward Ranch | |
|---|---|---|
| Sale-to-original-list | 97.3% | 96.1% |
| New-construction share of sales | 57% | 0% |
| Typical sold home | 2,096 sq ft | 2,276 sq ft |
| Momentum market-heat score | 28 (cold) | 41 (normal) |
Last 12 months of recorded closings; sale-to-original-list is the share of the first asking price sellers actually got.
Schools the listings are zoned for
| Bannon Lakes | Windward Ranch | |
|---|---|---|
| Elementary | Mill Creek Academy | Mill Creek Academy |
| Middle | Mill Creek Academy | Mill Creek Academy |
| High school | Tocoi Creek | St. Augustine |
The school most often recorded on each community's MLS listings. Always confirm a specific address with the district.
Which one fits
On budget alone, Bannon Lakes is the lower entry point (median $444K vs $508K). Buyers who want newer construction (fewer near-term roof, HVAC and re-plumb items, and easier insurance quotes in Florida) will find it in Bannon Lakes; Windward Ranch trades that for a more established street and, typically, larger lots. Sellers get a faster sale in Windward Ranch (42 days on market on average); buyers get more negotiating room where homes sit longer.
Neither number set decides it: drive both on a weekday evening, check the HOA documents and the flood zone for the exact street, and price the insurance before you write an offer. A Momentum agent who works both communities can pull the comparable sales for any two specific homes.
Questions people ask
Is Windward Ranch more expensive than Bannon Lakes?
Yes, on recent sales: the median sale price in Windward Ranch is $508,000 versus $444,000 in Bannon Lakes, about 14% higher.
How far apart are Bannon Lakes and Windward Ranch?
About 4 miles straight-line, center to center, both in St. Johns County; driving distance is usually 15 to 30 percent more.
Which has newer homes, Bannon Lakes or Windward Ranch?
Bannon Lakes: its homes were built 2017–2024 with a median year of 2021, versus a median of 2019 in Windward Ranch (Florida DOR assessment roll).
Which has bigger homes?
Windward Ranch. The typical home there is 2,612 sq ft of living area, versus 2,269 sq ft in Bannon Lakes.
Which has appreciated more, Bannon Lakes or Windward Ranch?
From 2017 to 2026 the median sale price rose 67% in Bannon Lakes and 60% in Windward Ranch (recorded MLS closings by calendar year).
Where do sellers get closer to asking price?
Bannon Lakes — sellers there received 97.3% of the original list price over the last 12 months versus 96.1% in Windward Ranch.
What high schools serve Bannon Lakes and Windward Ranch?
Listings in Bannon Lakes most often report Tocoi Creek; listings in Windward Ranch report St. Augustine. Zoning is set by the district and can change - verify by address.
Go deeper on each: Bannon Lakes homes, photos & schools · Windward Ranch homes, photos & schools
Figures are aggregates from realMLS / DBAAR, updated regularly. Thinking about either? Talk to Momentum Realty.