This home is in West End, Ponte Vedra.

Active

Active·191 days on market·West End

34 Islington Lane

Ponte Vedra, FL 32081

$479,655$286/sqftEst. $2,553/moMLS# 2097391

Beds

Baths

1,680

Sq Ft

2025

Built

Garage

Pool

About this home

West End

Welcome to the Castillo, a thoughtfully designed two-story townhome that blends convenience and style with its 1,680 square feet of well-appointed space. Featuring 3 bedrooms, 2.5 baths, and a two-car garage, this home offers an ideal layout for modern living without sacrificing warmth or functionality. The Castillo's layout makes it perfect for those seeking a balance of shared family spaces and private retreats, while its efficient use of space maximizes both comfort and practicality. As you enter, a welcoming foyer leads into an open-concept main floor, where the kitchen, dining, and living areas come together to create an inviting setting for both entertaining and everyday relaxation. The kitchen is a central hub, outfitted with a spacious island that doubles as a prep area and breakfast bar. A walk-in pantry keeps your essentials organized, while plenty of cabinetry ensures that all your cookware and dishes have their place.

Cost to own

Mortgage calculator

Home Price

$479,655

Down Payment: 20%

$95,931

Interest Rate: 6.49%

Loan Term

Monthly Payment

$2,423

Principal & Interest: $2,423

Est. Taxes & Insurance: $606

Estimated Total Monthly

$3,029

*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, 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$2,553

Property taxesest. at asking price, St. Johns County$638

HOAbilled monthly$243

Estimated total, before insurance$3,434/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: $1,885,000 in March 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$100,000	$100,000	—
2024	$100,000	$99,000	—
2023	$90,000	$90,000	—
2022	$61,600	$61,600	—

Estimated taxes if purchased at asking price: ~$7,700/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 — year not disclosed (home built 2025)

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

Public water · JEA

Municipal drinking water from JEA per the county inventory.

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

Solar potential: ~1,744 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