This home is in Crosswater Village, Ponte Vedra.

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Pending

Pending·174 days on market·Crosswater Village

159 Vista Lake Circle

Ponte Vedra, FL 32081

$650,000$283/sqftEst. $3,460/moMLS# 2094614

Beds

Baths

2,294

Sq Ft

2018

Built

Garage

Pool

About this home

Crosswater Village

Welcome to 159 Vista Lake Circle in Crosswater at Nocatee, a beautifully upgraded 4-bedroom, 3-bathroom home with a spacious loft/bonus room, offering energy-efficient living, modern design, and exceptional indoor-outdoor lifestyle in one of Ponte Vedra's most desirable master-planned communities. This Nocatee home for sale features a bright open-concept floor plan filled with natural light and enhanced by wood-look tile flooring, tray ceilings, designer lighting, and seamless flow between the kitchen, living, and dining areas--perfect for both everyday living and entertaining. The chef's kitchen is the centerpiece of the home and includes: Quartz countertops Large center island with seating 42-inch soft-close cabinetry with crown molding Stainless steel appliances Stylish tile backsplash Under-cabinet lighting Spacious walk-in pantry The private owner's suite offers a relaxing retreat with a spa-inspired bathroom featuring dual quartz vanities, a frameless glass walk-in show

Cost to own

Mortgage calculator

Home Price

$650,000

Down Payment: 20%

$130,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$3,304

Principal & Interest: $3,304

Est. Taxes & Insurance: $826

Estimated Total Monthly

$4,130

*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$3,460

Property taxesest. at asking price, St. Johns County$865

HOAbilled annually$83

Estimated total, before insurance$4,408/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

Year	Market value	Taxable value	Change
2025	$549,460	$350,504	—
2024	$561,365	$339,918	—
2023	$521,867	$324,868	—
2022	$466,844	$313,950	—
2021	$375,199	$303,350	—
2020	$341,097	$291,097	—

2024 property taxes (current owner): $6,623/yr

Estimated taxes if purchased at asking price: ~$10,400/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.

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 2018)

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

Solar potential: ~1,788 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.

Features

Price$650,000

Price / Sq Ft$283

Bedrooms4

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage2,294

Acres0.11 acres

Year Built2018

TypeResidential

Sub-TypeSingle Family Residence

Property ConditionUpdated/Remodeled

StatusPending

# of Garages2

Has PoolNo

Is WaterfrontYes

School Information

ElementaryPine Island Academy

MiddlePine Island Academy

HighAllen D. Nease

Community Information

Address159 Vista Lake Circle, Ponte Vedra, FL 32081

Area272-Nocatee South

SubdivisionCrosswater Village

CityPonte Vedra

CountySt. Johns

StateFL

Zip Code32081

Lot Size4,791.6 sq ft

Parcel Number0704911270

ZoningResidential

Amenities

AmenitiesPool, Basketball Court, Children's Pool, Clubhouse, Fitness Center, Jogging Path, Park, Pickleball, Playground, Tennis Court(s)

UtilitiesCable Connected, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

ViewLake

Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Built-in Features, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Downstairs, Smart Home, Split Bedrooms, Walk-In Closet(s), Wet Bar

AppliancesDishwasher, Disposal, Dryer, Electric Cooktop, Electric Oven, Electric Range, Electric Water Heater, Microwave, Refrigerator, Washer

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringLaminate, Tile

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, In Unit, Lower Level, Washer Hookup

Spa FeaturesHeated, Above Ground, Private