This home is in Del Webb Nocatee, Ponte Vedra.

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Active Under Contract

Active Under Contract·187 days on market·Del Webb Nocatee

281 Timber Light Trail

Ponte Vedra, FL 32081

$582,000$307/sqftEst. $3,098/moMLS# 2124546

Beds

Baths

1,893

Sq Ft

2022

Built

Garage

Pool

About this home

Del Webb Nocatee

Seller willing to pay CDD fee through 2027 with accepted offer! Nestled within the prestigious Del Webb Nocatee 55+ community, this exceptional 2 bedroom, with the possibility of a 3rd bedroom home, defines luxury living with meticulous craftsmanship, upscale finishes, and thoughtful upgrades throughout. From the moment you step inside, an inviting ambiance and attention to detail set the tone for a lifestyle of comfort and refinement. The heart of the home is the gourmet kitchen, beautifully appointed with high-end appliances, sleek countertops, and abundant storage--perfect for both everyday living and entertaining. The open-concept design flows effortlessly into the living and dining areas, creating an ideal space for gatherings, relaxation, and memorable moments with family and friends.

Cost to own

Mortgage calculator

Home Price

$582,000

Down Payment: 20%

$116,400

Interest Rate: 6.55%

Loan Term

Monthly Payment

$2,958

Principal & Interest: $2,958

Est. Taxes & Insurance: $740

Estimated Total Monthly

$3,698

*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$3,098

Property taxesest. at asking price, St. Johns County$774

HOAbilled monthly$344

Estimated total, before insurance$4,216/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: $604,800 in November 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$580,244	$403,411	—
2024	$561,698	$391,334	—
2023	$523,202	$371,749	—
2022	$78,400	$77,000	—
2021	$70,000	$70,000	—

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 C

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

Roof: material not specified — year not disclosed (home built 2022)

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.

History

Price & status history

Jul 16, 2026Active Under Contract$582,000
Jan 10, 2026Listed$582,000

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

Features

Price$582,000

Price / Sq Ft$307

Bedrooms2

Bathrooms2.00

Full Baths2

Square Footage1,893

Year Built2022

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive Under Contract

# of Garages2

Has PoolNo

Is WaterfrontNo

Gated CommunityYes

55+ CommunityYes

Community Information

Address281 Timber Light Trail, Ponte Vedra, FL 32081

Area272-Nocatee South

SubdivisionDel Webb Nocatee

CityPonte Vedra

CountySt. Johns

StateFL

Zip Code32081

Parcel Number0704840510

Amenities

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

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

SewerPublic Sewer

Water SourcePublic

ParkingCovered, Garage