This home is in West End, Ponte Vedra.

Active

Active·107 days on market·West End

14 Islington Lane

Ponte Vedra, FL 32081

$520,000$281/sqftEst. $2,768/moMLS# 2097506

Beds

Baths

1,848

Sq Ft

2025

Built

Garage

Pool

About this home

West End

Welcome to the Bartram, a beautifully designed townhome that brings together elegance, functionality, and modern comfort in a spacious 1,848-square-foot layout. From the moment you step inside, you'll feel at home in this thoughtfully crafted space, where every detail is designed to enhance daily life and make entertaining effortless. The open-concept main floor creates a warm and inviting atmosphere, perfect for hosting friends or unwinding after a long day. Sunlight pours through large windows, illuminating a spacious living room that's ideal for cozy movie nights or lively gatherings. Flowing seamlessly from the living area, you'll discover a stylish kitchen outfitted with a central island—a true hub for casual dining, food prep, or connecting with loved ones over a glass of wine. The kitchen features ample cabinetry, sleek countertops, and a layout that lets you move effortlessly between the cooking and dining spaces.

Cost to own

Mortgage calculator

Home Price

$520,000

Down Payment: 20%

$104,000

Interest Rate: 6.49%

Loan Term

Monthly Payment

$2,627

Principal & Interest: $2,627

Est. Taxes & Insurance: $657

Estimated Total Monthly

$3,283

*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$2,768

Property taxesest. at asking price, St. Johns County$692

HOAbilled monthly$243

Estimated total, before insurance$3,703/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: ~$8,300/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