2-Bedroom Golf-Course Home in Bridge Bay At Bannon Lakes
278 ROCK SPRING Loop, St. Johns, FL 32095
Single Family Residence in Bridge Bay At Bannon Lakes, St. Johns · No CDD
Bridge Bay At Bannon Lakes · St. Johns, FL 32095 · St. Johns
Listing data updated September 7, 2026 · refreshed twice daily
2Bedrooms
2Bathrooms
1,547Sq Ft
2017Year Built
$236Per Sq Ft
2-car garageNo CDDFEMA Zone X
Momentum Research: independent market analysis, flood data, insurance estimates, buyer leverage, and objective property scoring, alongside the MLS listing. Not just the listing sheet.
11% above
$/sq ft vs community
$236 here vs $213 median sold (12 mo)
Buyer leverage
Strong seller market
22 days on market
2.2 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
Zone X
Flood risk
Minimal hazard per FEMA; ~33 ft elevation
$1k–$2k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
As of September 7, 2026, 278 ROCK SPRING Loop in Bridge Bay At Bannon Lakes, St. Johns is listed at $365,800 (1,547 sq ft, about $236 per sq ft). That is 19% below Bridge Bay At Bannon Lakes's median closed sale of $453,314 over the last 12 months (67 recorded sales). Per square foot it is above the community's recent $213/sq ft by about 11%. It has been 22 days on market, well inside the community's typical 55 days. Listing facts: built in 2017, HOA dues of $388/mo. The parcel maps to FEMA flood zone X, outside the special flood hazard area. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
No CDD assessment on record
Built 2017 · 9 yrs
1,547 sq ft of living area
2-car garage
22 days on market
HOA $388/mo (per listing)
Golf course communitySchool district: St. Johns County SchoolCommunity built 2017–2026Shoppes At Mill Creek · 36 min driveBaptist & Wolfson St. Augustine Emergency Room (ER) · 36 min driveSaltwaters Shooting Club · 37 min drive
Momentum Research · Bannon Lakes
Pricing & the Bannon Lakes market
How this home is priced against recent nearby sales, and where Bannon Lakes has been over 25 years. Momentum Research analysis of realMLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.
Price vs. size in Bannon Lakes
Each dot is a closed sale since 2017 (488 total). This home is the gold marker.
Sale price (y) by living area in sq ft (x). realMLS closed sales.
Median $/sq ft by year
Community sold $/sq ft, 2017–2026. This home lists at $236/sq ft.
Median sale price by year
12-month median closed price, 2017–2026.
Market Heat by year (0–100)
Momentum Market Heat, 2018–2026. Now 25 (cold).
Property timeline
This home’s history
2017BuiltPer public record
Aug 15, 2026First trackedObserved at $365,800
NowActiveCurrently for sale
Build year is from public record. Listing milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Financing
Estimated monthly payment
$2,660/mo
Principal & interest $1,890/mo71%
Taxes $262/mo10%
Insurance $119/mo4%
HOA $388/mo15%
$2,660/mo at 20% down, 30-yr @ 6.71% · edit any field to update.
Estimated from today’s asking price and current St. Johns County tax rates.
⚠️
Many first-time Florida buyers are surprised when property taxes jump after closing. This estimate helps you budget before you make an offer.
Current owner pays $3,475/yr ($290/mo)
+$775 more each year
(+22%)
Most of this comes from Florida’s Save Our Homes assessment cap resetting when the home sells — the current owner’s protected assessment doesn’t transfer to a new buyer.
🛡️
Current ownerProtected by Save Our Homes
🔄
Home sellsResets the January after
🧾
Buyer paysBased on purchase price
$50,722
Save Our Homes benefit
The current owner’s protected taxable value sits this much below market — which is why today’s bill is lower than a new buyer’s.
Sources: Florida DOR certified tax roll (2025), realMLS. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill.
Momentum Scores
Momentum Property Score
60/100
Strongest on: Flood safety (95), Affordability (82)
0 limited50100 exceptional
60/100 is solid, mid-pack across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.
A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.
Price vs area23
This home $236/sq ft vs the community 12-month median $213/sq ft.
Affordability82
List price $365,800 vs the community median $453,314. Not a measure of personal affordability.
Flood safety95
FEMA Zone X, ~33 ft elevation. Verify the parcel with FEMA.
Insurance cost80
From FEMA Zone X and a 2017 build. Obtain a property-specific quote.
Market liquidity65
Community median 55 days on market, ~2.2 months of supply (12-month record).
Renovation upside10
From a 2017 build and $236/sq ft vs the community median $213/sq ft. Not a condition assessment.
Pricing power54
Recent sales closed at about 97.3% of original asking (~2.7% below). More room below asking generally favors buyers.
Market timing75
Momentum Market Heat is 25/100 (cold). Cooler readings generally favor buyers; hotter readings favor sellers.
Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent nearby sales. They are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
Momentum Research
The Momentum read
🟠 Seller-leaning conditions around this listing. 2.2 months of supply in the surrounding market and 22 days on market for this home, against a 55-day area median.Days on market:this home 22Area median: 55 daysWhy it matters: above-median time on market, together with the level of supply, is a clear sign of how much leverage sits with buyers.Momentum Research interpretation of the MLS facts in the snapshot above. Source: Data provided by realMLS. As of September 6, 2026.
🟡 Asking $236 per square foot, about 11% above the community’s $213 median. Bannon Lakes’s 12-month median sold price per square foot is $213. Median sold price per square foot is down 4.5% year over year. Confidence: Very High · 67 closed sales in 12 monthsMLS facts: realMLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
Recent Bannon Lakes sales closed near 97.3% of original asking.Why it matters: the community’s own record shows how far opening prices typically move, and how often buyers compete without financing.Momentum Research analysis of realMLS records, community-level, 12 months ending September 6, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: a golf-course community, one of only 12 active listings in Bannon Lakes, no CDD assessment.
Updated September 7, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Listing description
About this home
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!
Description provided by COLDWELL BANKER VANGUARD REALTY and reproduced from the MLS; not independently verified.
Property facts & sources
Every fact, sourced
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
List price$365,800
Bed / bath2 / 2
Living area1,547 sq ft
Year built2017
Property typeSingle Family Residence
Garage2-car
MLS #2158769
Listing status22 days on market
Public records & third-party data
FEMA flood zoneZone X
Ground elevation~33 ft
Windstorm exposureModerate
CountySt. Johns
Area listings12 active · 11 under contract
Estimated first-year tax~$3,146/yr
CDD assessmentNone on record
HOA (per listing)$388/mo
Calculated estimates
Price per sq ft$236
Estimated monthly payment$2,660
Insurance (illustrative)$1k–$2k/yr
Comparable-sales median$453,314
Buyer should verify Buyer verify
Exact HOA dues, fees, and restrictionsRoof age and conditionHVAC age and conditionA property-specific insurance quoteSurvey and lot boundariesPermit historyFlood-insurance requirementsSchool zoning (confirm with the district)Property taxes after sale (homestead reset)CDD / community assessmentsSquare footage and room dimensions
This is a deliberately dumb estimate — living area times a range of recent neighborhood $/sq ft, and nothing else. It is not an appraisal, not market value, and not a valuation of this home. Even a tight range from comparable sales can’t price a specific home — here’s why.
$289,289the mess$369,733
Actual list price: $365,800 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 28% spread on the same house — and that gap is exactly what an automated guess can't see:
Condition & updates — a renovated kitchen or new roof vs. dated finishes can swing value six figures; sq ft can't see it.
The lot & views — a premium golf, water, or preserve lot vs. a road-facing one: same sq ft, very different price.
Outliers skew it — one flip or distressed sale in the comps drags the whole $/sq ft up or down.
Carrying costs & concessions — this home carries HOA dues of $388/mo; with insurance and any seller-paid buydown, that changes what a buyer actually pays, and a sq ft estimate ignores all of it.
And here's what the live market is doing — which the number above ignores entirely:
This home: 22 days on market vs. a 55-day community median
12 active listings competing, 11 under contract
≈2.2 months of supply
66 closed here in the last 12 months
For reference, this home is listed at $365,800 ($236/sq ft) — a number set with analysis a Messtimate can't do.
Want a property-specific review from a licensed agent? A Momentum Realty agent will do a real, free comparative market analysis — walking the home, the lot, the condition, and the live market. That's the difference between a Messtimate and a valuation.
Methodology: 1,547 sq ft × $187–$239/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated September 7, 2026.
Keep looking
Similar homes for sale near Bridge Bay At Bannon Lakes
Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.
Listed for $365,800Momentum Realty · on market 22 days
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
Estimated ownership costs
Estimated costs & disclosures
Estimated ownership costs for general information. Confirm each with the county, your lender, and an insurer. See data & estimate notes.
Property tax (first-year est.)
~$3,146/yr
A rough first-year estimate only, applying a typical St. Johns rate to the list price before any exemptions. Florida bills vary substantially after reassessment, homestead and other exemptions, and local taxing districts — this is not your expected bill. Confirm with the county property appraiser.
CDD assessment
None
No CDD assessment on record for this community.
Insurance (illustrative range)
$1k–$2k/yr
An illustrative modeled range, not based on carrier underwriting and not a quote. Florida premiums vary significantly by roof age, wind-mitigation features, claims history, and carrier — a real quote can land well outside this range. Flood insurance not federally mandated (Zone X). Get a quote from a licensed insurer before relying on any figure.
HOA
$388/mo
Covers the master association & common areas. Confirm exact dues and what they include.
Environmental data
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
FEMA flood zone
Zone X
From the FEMA National Flood Hazard Layer. In this zone lender-required flood insurance is generally not mandated; confirm for the parcel.
Ground elevation
~33 ft
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Windstorm / insurance
Obtain a quote
This is a coastal Florida county. Premiums and coverage vary by home; obtain a quote from a licensed insurer.
Connectivity
Internet & broadband
Fiber
Check availability
AT&T Fiber covers much of NE Florida; confirm availability at the address.
Cable
Likely
Xfinity/Spectrum cable broadband is widely available.
5G Home
Backup
T-Mobile / Verizon fixed-wireless as a backup option.
Seen enough photos?
Want to see 278 ROCK SPRING Loop?
Tell us when works for you and a local agent will reach out to arrange a showing and answer your questions about this home.
Listed by COLDWELL BANKER VANGUARD REALTY · MLS # 2158769
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Market data · public records
Recent sales activity in Bridge Bay At Bannon Lakes
Recent comparable closed sales near this home, from public records. Summary figures are for general reference only and are not a valuation of this property. See the Bridge Bay At Bannon Lakes neighborhood guide for more.
Comparable sales found
0
Recent nearby closings in the data set.
Community median sale price
$453,314
Canonical 12-month median closed price. Reference only.
Community median $/sq ft
$213
Canonical 12-month median $/sq ft. Reference only.
Go deeper on Bridge Bay At Bannon Lakes
See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Jul 2026 · Infrastructure
CR 210 widening westbound lanes set to reopen in St. Johns County
News4Jax reported that all westbound lanes of the County Road 210 widening project in St. Johns County were expected to reopen by the end of Friday, July 31, 2026, ahead of the August 10 school year start. The county said it is managing 44 active road projects totaling $183.1 million this year.
Why it matters: Expands roadway capacity on a major county corridor, improving traffic flow and supporting continued growth along the CR 210 area. The project is about 7 miles north of Bannon Lakes, elsewhere in St. Johns County.
Six agricultural enclave projects seek to develop 6,500-plus acres in St. Johns County
Jacksonville Today reported that St. Johns County received six proposals totaling more than 6,558 acres for development under a new Florida agricultural enclave law that took effect July 1, 2026. The largest proposal, about 4,462 acres north of Nocatee, comes from the Davis family and the PARC Group. The County Commission scheduled a public hearing on the proposals for August 19, 2026.
Why it matters: Signals a large potential expansion of developable land and future housing and commercial capacity, using a new state process that can convert farmland to residential and commercial use with reduced local review. The site is about 7 miles north of Bannon Lakes.
Publix opens and more retailers coming to Marketplace at Nocatee
An official Nocatee business update reported that a Publix supermarket with a pharmacy drive-thru and adjacent Publix Liquors has opened at Marketplace at Nocatee. Additional announced tenants include SoFresh in late summer 2026, a Gate gas station, BODYBAR Pilates, a nail spa and a wine and spirits shop. The Hub at Nocatee entertainment concept is slated for 2028.
Why it matters: Expands grocery, dining and everyday retail capacity at a growing town center, adding anchor and service tenants that build out the commercial base of the area. The project is about 9 miles north of Bannon Lakes, elsewhere in St. Johns County.
First Coast Expressway advances as an economic-development corridor across Clay and St. Johns
The First Coast Expressway (State Road 23), a tolled beltway looping around the west and south of the Jacksonville metro, continued to open land for development along its corridor, with the final St. Johns County phase from Interstate 95 to east of County Road 2209 in progress. FDOT held a St. Johns County open house on the final phase in January 2026.
Why it matters: New limited-access highway capacity shortens commutes and opens adjacent land, changes that have historically shaped where new communities and demand concentrate. The site is about 16 miles west of Bannon Lakes.
Approximate driving times to verified nearby destinations. Estimates for general reference; actual times vary with traffic and route.
Groceries
Publix 39 min
Dining
Ford's Garage 39 min
Shopping
Shoppes At Mill Creek 36 min
Parks
Saltwaters Shooting Club 37 min
Assigned schools
Assigned schools
Schools currently assigned to this address in St. Johns County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
GRADEA
Wards Creek Elementary SchoolPublic PreK-5 · St. Johns County School District · Grade A (Florida DOE 2025-26)
GRADEA
Pacetti Bay Middle SchoolPublic 6-8 · St. Johns County School District · Grade A (Florida DOE 2025-26)
GRADEA
Tocoi Creek High SchoolPublic 9-12 · St. Johns County School District · Grade A (Florida DOE 2025-26)
How it stacks up
Comparable recent sales
Recent closed sales nearby, with photos, so you can compare. Sold prices are public record, deemed reliable but not guaranteed.
No closely comparable recent sales were found in this data set.
If you rent it out
Investment snapshot
Objective rental and cash-flow estimates for a buyer weighing this as an investment. Rough figures for general information only — not a guarantee of rent, an appraisal, or investment advice. Verify independently.
Estimated rent$1,677 – $2,439/moa rough gross-rent-yield range on list price (comp-based estimate coming).
Estimated cap rate3.6%Net operating income ÷ list price; excludes financing.
Est. monthly cash flow−$1,032 – −$346At 25% down, 30-yr; after a 10% vacancy/maintenance/management reserve.
Before you decide
Buyer research checklist
Items worth confirming for 278 ROCK SPRING Loop, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 2017: confirm the roof and HVAC install dates and whether any builder or manufacturer warranty transfers.
HOA dues are listed at $388/mo: request the current budget, reserves, and rules before relying on that figure or on any restriction.
FEMA flood zone X: flood insurance is not usually required, but get a quote anyway — FEMA reports roughly one in four flood claims come from outside high-risk zones.
Get a homeowners insurance quote for this specific address in St. Johns County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
Listed living area is 1,547 sq ft: verify it against the property appraiser's record and measure before relying on it.
Order a survey to confirm lot boundaries and easements.
Review permit history with the county.
Property taxes: the estimate on this page (about $3,146/yr) assumes reassessment at the list price; the seller's homestead cap does not transfer, so their current bill is not a guide.
Confirm school zoning directly with the district.
Nearby & commute
Approximate distances
Approximate drive times for general reference only.
City
St. Johns
Groceries, dining, and parks for this city — see the city guide.
realMLS, refreshed twice daily (last: September 7, 2026)
Community market stats
realMLS closed sales, as of September 6, 2026
Flood zone & elevation
FEMA flood maps + USGS elevation (Zone X shown above)
Taxes & monthly cost
Estimated from county rates; not a quote
Insurance figure
Modeled estimate; obtain a real quote before offering
Schools
2025-26 district assignments; verify with the district
Momentum Research lines are our own analysis of realMLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Answered before you ask
Frequently asked questions
How big is 278 ROCK SPRING Loop and when was it built?
Per the listing record, 278 ROCK SPRING Loop was built in 2017 and has 1,547 sq ft of living area, 2 bedrooms and 2.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 278 ROCK SPRING Loop in?
278 ROCK SPRING Loop is in Bridge Bay At Bannon Lakes in St. Johns, St. Johns County. The community section on this page shows recent closed sales, days on market, and active inventory for Bridge Bay At Bannon Lakes from the same MLS data.
Does 278 ROCK SPRING Loop have an HOA, and how much are the dues?
The listing reports HOA dues of $388 per month. Dues, what they cover, and the community's rules should be confirmed from the association's current documents before relying on them.
Why might property taxes on 278 ROCK SPRING Loop differ from the current owner's?
The estimate on this page (about $3,146 per year) assumes reassessment at the list price. Florida's Save Our Homes rule caps annual assessment increases for homesteaded owners, and the assessment resets after a sale, so a new owner's bill may differ from the seller's. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 278 ROCK SPRING Loop in a flood zone?
The FEMA flood map places this parcel in Zone X, outside the special flood hazard area, so flood insurance is not usually required by a lender. It is still available and worth quoting; confirm the parcel's status with FEMA and your insurer.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
Ready when you are
See 278 ROCK SPRING Loop in person
Private tours available 7 days a week, in person or by live video walkthrough. Request a tour or send a question and a licensed Momentum Realty agent will follow up.
Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply a typical county millage rate to the list price and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.
Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email and we will review and correct or remove it promptly.
Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.
No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.
Sold price and details are from public records and the MLS, deemed reliable but not guaranteed. Shown for comparison only — not an appraisal or a statement of this home's value.
