Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in Ponte Vedra — a home near Allen D. Nease High School.

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Sold

Sold·Closed Dec 27, 2024·239 days on market·Recent sales in Nocatee

198 Oak Breeze Drive

Ponte Vedra, FL 32081

$629,900sold priceListed at $629,900 · 100% of asking$271/sqftMLS# 2017792

Beds

Baths

2,321

Sq Ft

2024

Built

Garage

Pool

HOA $79/mo4,792 sqft lotSingle Family Residence2 storiesNew construction

About this home

Ponte Vedra

**Ask about 5.49% (5.72% APR) 30-Year Conventional Fixed Rate Promotion plus up to 3% towards closing costs- See Sales Associates for Details! ** New Crosswinds community across from Pine Island Academy. 100% Energy Star Certified Home built by Providence Homes! The Fanning features 4 bedrooms, 3 baths, one first floor bedroom, dining room, family room with 12x8 sliding glass doors open to cafe/kitchen and large covered patio. Second floor owners suite, 2 bedrooms and loft. Luxury plank flooring in main living areas, tile in wet areas, and carpet in the bedrooms. Gourmet Kitchen with Stainless steel appliances and quartz counters in the kitchen. Move in ready!

Next steps in Nocatee

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$3,489

Property taxesest. at asking price, St. Johns County$838

HOAbilled annually$79

Estimated total, before insurance$4,406/mo

• Homeowners insurance is on top — in Florida it varies widely with roof age and wind/flood zone (see the Reality Check below). Budget it before you offer.
• In CDD communities (Nocatee, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
• Taxes are estimated at YOUR purchase price — Florida assessments reset on sale, so the seller’s current bill is usually lower than yours will be.

Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

Home Price

$629,900

Down Payment: 20%

$125,980

Interest Rate: 7.40%

Loan Term

Monthly Payment

$3,489

Principal & Interest: $3,489

Property taxes (est.): $838

Insurance (est.): $420

Estimated Total Monthly

$4,747

*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, Freddie Mac PMMS via FRED). Taxes use the county effective rate; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs may vary.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — year not disclosed (home built 2024)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

This Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields at this property’s coordinates. None of it is a determination, survey, or inspection, and public records can lag or conflict with on-site conditions. Independently verify anything you’ll rely on: the flood zone at msc.fema.gov and floridadisaster.org/knowyourzone (and confirm flood-insurance cost with your lender and a licensed insurance agent), and the sewer/septic, roof, and utilities with a professional inspection.

History

Price & status history

Apr 3, 2024Listed$629,900

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Closed sales

What sold nearby

Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $298/sq ft; this home is listed at $271/sq ft.

Address	Closed	Price	$/sq ft	Bd/Ba	Sq ft	DOM	Miles
55 Aspendale Road, Ponte Vedra, FL 32081Listed by RICK WOOD & ASSOCIATES INC	Sep 2026	$644,900	$261	4/3.5	2,474	155	0.1
281 Timber Light Trail, Ponte Vedra, FL 32081Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS	Sep 2026	$565,000	$298	2/2	1,893	200	0.4
241 Dosel Lane, St. Augustine, FL 32095Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINE	Sep 2026	$634,000	$263	4/3	2,411	44	0.6
16 Derecho Lane, St. Augustine, FL 32095Listed by COLDWELL BANKER VANGUARD REALTY	Sep 2026	$640,000	$242	4/3	2,648	49	0.6
40 Sand Harbor Drive, Ponte Vedra, FL 32081Listed by ONE SOTHEBY'S INTERNATIONAL REALTY	Aug 2026	$530,000	$317	2/2	1,670	79	0.6
126 Sand Harbor Drive, Ponte Vedra, FL 32081Listed by EXP REALTY LLC	Sep 2026	$650,000	$330	2/2	1,969	31	0.7

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

Features

Price$629,900

Price / Sq Ft$271

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,321

Acres0.11 acres

Year Built2024

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionUnder Construction

StatusClosed

# of Garages2

Has PoolNo

Is WaterfrontNo

New ConstructionYes

School Information

ElementaryPine Island Academy

MiddlePine Island Academy

HighAllen D. Nease

Community Information

Address198 Oak Breeze Drive, Ponte Vedra, FL 32081

Area272-Nocatee South

SubdivisionNocatee

CityPonte Vedra

CountySt. Johns

StateFL

Zip Code32081

Lot Size4,791.6 sq ft

Lot Dimensions40x125

Parcel Number0721120260

ZoningPUD

Amenities

AmenitiesPool, Basketball Court, Children's Pool, Dog Park, Fitness Center, Jogging Path, Playground

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

Green / EnergyAppliances, HVAC, Windows

ParkingAttached, Garage, Garage Door Opener

Interior

Interior FeaturesBreakfast Bar, Eat-in Kitchen, Entrance Foyer, Kitchen Island, Pantry, Primary Bathroom - Shower No Tub, Walk-In Closet(s)

AppliancesDisposal, ENERGY STAR Qualified Dishwasher, ENERGY STAR Qualified Water Heater, Gas Cooktop, Gas Water Heater, Microwave, Tankless Water Heater

HeatingCentral, Electric, Heat Pump, Zoned

CoolingCentral Air, Electric, Zoned

FlooringCarpet, Tile, Vinyl

# of Stories2

LaundryElectric Dryer Hookup, Washer Hookup

SecuritySmoke Detector(s)

Exterior

Lot DescriptionSprinklers In Front, Sprinklers In Rear

Patio / PorchCovered, Front Porch, Patio

RoofShingle

ConstructionFiber Cement

Additional Information

Date ListedApril 3, 2024

Days on Market239

HOA Fees$950 / Annually

HOA FrequencyAnnually

Listing TermsCash, Conventional, FHA, VA Loan

55+ CommunityNo

New ConstructionYes

Listing Courtesy of: PROVIDENCE REALTY, LLC

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

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