This home is in Reflections, Ponte Vedra.

Pending

Pending·101 days on market·Reflections

78 Recollection Drive

Ponte Vedra, FL 32081

$779,000$299/sqftEst. $4,146/moMLS# 2105462

Beds

Baths

2,609

Sq Ft

2025

Built

Garage

Pool

About this home

Reflections

Schedule your visit today to explore special pricing and a personalized design opportunity! Experience the elegance of the Toll Brothers SPARROW ELITE CRAFTSMAN, located in the highly sought-after Reflections at Seabrook in Nocatee. This meticulously designed home features four bedrooms, three baths, and a dedicated office, combining comfort with sophistication. Step through the grand 12' foyer into a spacious Great Room, where the open-concept dining and kitchen areas create the perfect space for entertaining. The first-floor primary suite is a true retreat, boasting an expanded bedroom and a luxurious freestanding tub for ultimate relaxation. Upstairs, a private loft, bedroom, and bath offer a peaceful sanctuary for guests or family members. Situated on a picturesque PRESERVE lot, this stunning home will be move-in ready by MARCH/APRIL 2026. PLEASE NOTE THAT THIS HOME IS BEING OFFERED WITHOUT INTERIOR DESIGN SELECTIONS INCLUDED.

Cost to own

Mortgage calculator

Home Price

$779,000

Down Payment: 20%

$155,800

Interest Rate: 6.55%

Loan Term

Monthly Payment

$3,960

Principal & Interest: $3,960

Est. Taxes & Insurance: $990

Estimated Total Monthly

$4,949

*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$4,146

Property taxesest. at asking price, St. Johns County$1,037

HOAbilled monthly$70

Estimated total, before insurance$5,253/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	$120,000	$120,000	—

Estimated taxes if purchased at asking price: ~$12,400/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 2025)

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

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$779,000

Price / Sq Ft$299

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,609

Year Built2025

TypeResidential

Sub-TypeSingle Family Residence

StyleContemporary, Craftsman

Property ConditionUnder Construction

StatusPending

# of Garages2

Has PoolNo

Is WaterfrontNo

New ConstructionYes

School Information

ElementaryPine Island Academy

MiddlePine Island Academy

HighAllen D. Nease

Community Information

Address78 Recollection Drive, Ponte Vedra, FL 32081

Area272-Nocatee South

SubdivisionReflections

CityPonte Vedra

CountySt. Johns

StateFL

Zip Code32081

Parcel Number0705032360

ZoningResidential

Amenities

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

UtilitiesCable Available, Electricity Connected, Natural Gas Connected, Sewer Connected, Water Available

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Garage Door Opener

ViewProtected Preserve