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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in Riverwood, Ponte Vedra — a gated community home in St. Johns County.

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Sold

Sold·Closed Mar 6, 2026·71 days on market·Recent sales in Riverwood·Riverwood

39 Cypress Bay Drive

Ponte Vedra, FL 32081

$400,000sold priceListed at $424,900 · 94.1% of asking$278/sqftMLS# 2117746
3
Beds
2
Baths
1,437
Sq Ft
2013
Built
2
Garage
No
Pool

17 more homes for sale in Riverwood →Search Riverwood on the map

HOA $235/mo4,792 sqft lotSingle Family Residence1 story

About this home

Riverwood

Welcome to this beautifully maintained home in the highly desirable 55+ community of Del Webb Ponte Vedra! As you approach, you'll notice the gorgeous landscaping and paver driveway. The main living area features rich hardwood floors and a bright, open concept. The kitchen boasts white cabinets, granite countertops, a reverse osmosis water system, and stainless steel appliances. Private Screened Lanai! The primary ensuite includes dual sinks, granite counters, a walk-in shower, and a spacious walk-in closet. Freshly painted and move-in-ready, this home also features several updates, including a new HVAC installed in 2020, a new refrigerator in 2021, hurricane shutters, and a water softener. Del Webb Ponte Vedra offers resort style pools, pickle ball & Tennis courts, spa, sauna, fitness, clubs and activities galore-all in a gated, golf cart friendly location just minutes to the beach! This home is conveniently located close to the main gate and walking distance to the club.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$2,216
Property taxesest. at asking price, St. Johns County$532
HOAbilled monthly$235
Estimated total, before insurance$2,983/mo
Seller’s 2024 tax billper the MLS — includes any CDD / assessments$3,754/yr · $313/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, 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

$400,000
$80,000
Loan Term
Monthly Payment
$2,216
Principal & Interest: $2,216
Property taxes (est.): $532
Insurance (est.): $267
Estimated Total Monthly
$3,015
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, Freddie Mac PMMS via FRED). Taxes use the county effective rate; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs may vary.

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 2013)

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

Solar potential: ~1,775 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

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

2024 property taxes (current owner): $3,754/yr

Estimated taxes if purchased at asking price: ~$6,400/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, NEFMLS.

History

Price & status history

  • Nov 13, 2025Listed$424,900

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 $309/sq ft; this home is listed at $296/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
158 Hawks Harbor Road, Ponte Vedra, FL 32081Listed by BEYCOME OF FLORIDA LLCOct 2026$454,000$3163/21,437320.1
179 Hawks Harbor Road, Ponte Vedra, FL 32081Listed by RE/MAX UNLIMITEDAug 2026$410,000$2852/21,437470.1
233 Caspia Lane, Ponte Vedra, FL 32081Listed by PONTE VEDRA KEY REALTYSep 2026$386,000$2992/21,290530.3
111 Strolling Trail, Ponte Vedra, FL 32081Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTYJul 2026$589,000$3172/21,86040.5
153 Woodhurst Drive, Ponte Vedra, FL 32081Listed by EXP REALTY LLCSep 2026$460,000$2702/21,7011400.6
163 Breezy Bay Drive, Ponte Vedra, FL 32081Listed by LOKATIONSep 2026$495,000$3092/21,60490.7

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

Price$424,900
Price / Sq Ft$296
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,437
Acres0.11 acres
Year Built2013
TypeResidential
Sub-TypeSingle Family Residence
StyleContemporary
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontNo
Gated CommunityYes
55+ CommunityYes

Community Information

Address39 Cypress Bay Drive, Ponte Vedra, FL 32081
Area272-Nocatee South
SubdivisionRiverwood By Del Webb
CityPonte Vedra
CountySt. Johns
StateFL
Zip Code32081
Lot Size4,791.6 sq ft
Parcel Number0702470040
ZoningResidential

Amenities

AmenitiesPool, Clubhouse, Fitness Center, Jogging Path, Pickleball, Security, Spa/Hot Tub, Tennis Court(s)
Community FeaturesSidewalks, Street Lights, Gated
UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingGarage, Garage Door Opener

Interior

Interior FeaturesBreakfast Nook, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Split Bedrooms, Walk-In Closet(s)
AppliancesConvection Oven, Dishwasher, Disposal, Dryer, Electric Cooktop, Electric Oven, Electric Range, Electric Water Heater
HeatingCentral
CoolingCentral Air
FlooringCarpet, Tile, Wood
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, Washer Hookup
Security24 Hour Security, Gated with Guard, Smoke Detector(s)
Spa FeaturesCommunity

Exterior

Lot DescriptionSprinklers In Front, Sprinklers In Rear
Patio / PorchFront Porch, Rear Porch, Screened
RoofShingle
ConstructionStucco
Road SurfaceAsphalt

Additional Information

Date ListedNovember 13, 2025
Days on Market71
HOA Fees$235 / Monthly
HOA FrequencyMonthly
HOA NameRiverwood by Del Webb
HOA Fee IncludesSecurity
Tax Amount$3,754.37
Tax Year2024
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityYes
New ConstructionNo

Listing Courtesy of: RE/MAX SPECIALISTS PV

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 Riverwood

Riverwood is a neighborhood in Nocatee, FL (St. Johns County), ZIP 32081.

View all Riverwood homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Mar 6, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.

Text Krista about this saleHomes for sale nearby →

20+ years · 500+ closings · NE Florida

Curious what nearby homes sold for?

MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

Northeast Florida living

Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines