This home is in Pioneer Village, Ponte Vedra — a waterfront home in Nocatee.
Active·364 days on market·Pioneer Village
430 Union Hill Drive
Ponte Vedra, FL 32081
All Pioneer Village homes for sale →Search Pioneer Village on the map
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About this home
Pioneer Village
**$5,000 SELLER CONCESSION!** Seller offering $5,000 toward buyer's allowable closing costs, prepaids and/or rate buydown, subject to lender approval. Welcome to this like-new, move-in ready 3-bedroom, 2-bath home with office in sought-after Pioneer Village in Nocatee! Located on a quiet cul-de-sac, this single-story home features stunning water-to-preserve views and an open floor plan perfect for entertaining. Enjoy peaceful outdoor living from the screened lanai, with abundant natural light through triple sliders. The gourmet kitchen boasts a 5-burner gas cooktop, large island and soft-close drawers. Additional upgrades include LVP flooring, 8' doors and paver driveway. The spacious owner's suite features a bay window with beautiful views and a spa-like oversized walk-in shower. Enjoy Nocatee's resort-style pools, water parks, fitness center, trails and highly rated St. Johns County schools. Don't miss this exceptional opportunity!
Next steps in Pioneer Village
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
- • 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 (that applies to the reference bill above too).
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
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 homeAs of July 2026, this Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields at this property’s coordinates. None of it is a determination, survey, or inspection, and public records can lag or conflict with on-site conditions. Independently verify anything you’ll rely on: the flood zone at msc.fema.gov and floridadisaster.org/knowyourzone (and confirm flood-insurance cost with your lender and a licensed insurance agent), and the sewer/septic, roof, and utilities with a professional inspection.
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: ~$9,000/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.
History
Price & status history
- Oct 15, 2026Price change$564,900−$5,000
- Sep 10, 2026Price change$569,900−$10,000
- Oct 16, 2025Listed$579,900
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Closed sales
What sold nearby
Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $287/sq ft; this home is listed at $297/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 453 Vista Lake Circle, Ponte Vedra, FL 32081Listed by KELLER WILLIAMS ST JOHNS | Sep 2026 | $505,000 | $287 | 3/2 | 1,757 | 37 | 0.2 |
| 513 Vista Lake Circle, Ponte Vedra, FL 32081Listed by PALM VALLEY REALTY PLLC | Aug 2026 | $495,000 | $303 | 3/2 | 1,631 | 112 | 0.2 |
| 258 Union Hill Drive, Ponte Vedra, FL 32081Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS | Aug 2026 | $662,500 | $312 | 4/2 | 2,121 | 56 | 0.2 |
| 128 Union Hill Drive, Ponte Vedra, FL 32081Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY | Oct 2026 | $535,000 | $264 | 3/2 | 2,026 | 135 | 0.3 |
| 308 Vista Lake Circle, Ponte Vedra, FL 32081Listed by SIGNATURE FIRST COAST REALTY | Aug 2026 | $610,000 | $270 | 4/2.5 | 2,256 | 10 | 0.3 |
| 300 Shadow Ridge Trail, Ponte Vedra, FL 32081Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST | Sep 2026 | $624,250 | $271 | 3/2 | 2,305 | 405 | 0.5 |
Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: MARC JOSEPH REALTY INC
Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.
The neighborhood
About Pioneer Village
Pioneer Village is a neighborhood in Nocatee, FL (St. Johns County), ZIP 32081.
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Your Local Realtor
Krista Fracke
Broker Associate
Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.
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Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines