This home is in Greenleaf Village, Ponte Vedra.

Active

Active·63 days on market·Greenleaf Village

64 Carrier Drive

Ponte Vedra, FL 32081

$495,000$225/sqftEst. $2,635/moMLS# 2083471

Beds

Baths

2,204

Sq Ft

2011

Built

Garage

Pool

About this home

Greenleaf Village

SHORT SALE!! SHORT SALE!! SHORT SALE APPROVED PRICE! Seller accepting CASH and Conventional financing ONLY!! Bankruptcy short sale will take about 120 days to get response on offer from lien holders. Needs TLC. 3 bedroom 2 bath home with 2,204 sq feet and a 2 car garage. Roof replaced in 2025 and HVAC is from 2021.

Cost to own

Mortgage calculator

Home Price

$495,000

Down Payment: 20%

$99,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$2,516

Principal & Interest: $2,516

Est. Taxes & Insurance: $629

Estimated Total Monthly

$3,145

*Estimates based on 30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, Freddie Mac PMMS via FRED). Actual payments may vary.

Cost to own

True monthly cost

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

Principal & interest20% down · 7.0% · 30yr$2,635

Property taxesest. at asking price, St. Johns County$659

HOAbilled annually$23

Estimated total, before insurance$3,317/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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.

Cost to own

Taxes & assessment

Last sold: $595,000 in May 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$469,253	$0	—
2024	$458,397	$0	—
2023	$450,009	$226,502	—
2022	$400,535	$218,449	—
2021	$289,951	$210,630	—
2020	$269,337	$207,032	—

2024 property taxes (current owner): $2,186/yr

Estimated taxes if purchased at asking price: ~$7,900/yr

Florida’s Save Our Homes cap limits how fast the current owner’s assessment can rise — and it resets when a home sells, so a buyer’s tax bill is typically based on the purchase price, not the seller’s bill above. Estimate uses the median effective rate across 1,595 current St. Johns listings and includes typical non-ad-valorem assessments; actual taxes depend on exemptions and taxing district. Sources: Florida DOR certified tax roll (2025), NEFMLS.

Storms & insurance

Florida Reality Check

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

Zone X — minimal flood hazard

Flood insurance is typically not required by lenders (always optional).

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

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: Shingle — 2025 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

Sewer · JEA · Public water · JEA_Premises point dataset with CCB_DESC like Water

County records show this parcel on central sewer served by JEA — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,769 usable sun-hours per year

A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.

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

Ask about this home

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History