This home is in Pioneer Village, Ponte Vedra.

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Active

Active·273 days on market·Pioneer Village

430 Union Hill Drive

Ponte Vedra, FL 32081

$579,900$305/sqftEst. $3,086/moMLS# 2113545

Beds

Baths

1,902

Sq Ft

2021

Built

Garage

Pool

About this home

Pioneer Village

Welcome home to this like-new, move-in ready 3-bedroom, 2-bath home with office in highly sought-after Pioneer Village at Nocatee! Perfectly situated on a quiet cul-de-sac street, this single-story home offers million-dollar water-to-preserve views and an open layout ideal for entertaining. Relax on the screened lanai and enjoy the peaceful setting and local wildlife. Some upgrades include LVP flooring in the main living areas, 8' doors, paver driveway, and a gourmet kitchen with 5-burner gas cooktop, soft close drawers and large island. Triple sliders fill the home with natural light and connect indoor and outdoor living. The spacious owner's suite features a bay window with stunning views and a spa-like oversized walk-in shower. Enjoy Nocatee's world-class amenities--resort-style pools, water parks, fitness center, walking trails, and A-rated St. Johns County schools. This Nocatee gem truly has it all!

Cost to own

Mortgage calculator

Home Price

$579,900

Down Payment: 20%

$115,980

Interest Rate: 6.55%

Loan Term

Monthly Payment

$2,948

Principal & Interest: $2,948

Est. Taxes & Insurance: $737

Estimated Total Monthly

$3,684

*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$3,086

Property taxesest. at asking price, St. Johns County$772

HOAbilled annually$79

Estimated total, before insurance$3,937/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	$496,119	$378,065	—
2024	$491,044	$366,703	—
2023	$501,972	$354,566	—
2022	$392,783	$342,783	—
2021	$85,000	$85,000	—
2020	$80,000	$80,000	—

2024 property taxes (current owner): $6,959/yr

Estimated taxes if purchased at asking price: ~$9,300/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.

Hurricane evacuation zone D

Zone D evacuates after zones A, B, C in an approaching storm.

Roof: Shingle — year not disclosed (home built 2021)

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

Solar potential: ~1,751 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

Price & status history

Oct 16, 2025Listed$579,900

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$579,900

Price / Sq Ft$305

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,902

Acres0.12 acres

Year Built2021

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontYes

School Information

ElementaryPine Island Academy

MiddlePine Island Academy

HighAllen D. Nease

Community Information

Address430 Union Hill Drive, Ponte Vedra, FL 32081

Area272-Nocatee South

SubdivisionPioneer Village

CityPonte Vedra

CountySt. Johns

StateFL

Zip Code32081

Lot Size5,227.2 sq ft

Lot Dimensions40 x 130

Parcel Number0704920530

Amenities

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

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

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

ViewPond, Protected Preserve

Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Electric Oven, Gas Cooktop, Microwave, Tankless Water Heater, Water Softener Owned

HeatingCentral, Electric, Zoned

CoolingCentral Air, Electric, Zoned

FlooringCarpet, Tile, Vinyl

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Gas Dryer Hookup, In Unit, Washer Hookup

SecurityCarbon Monoxide Detector(s), Smoke Detector(s)