This home is in Reflections, Ponte Vedra.

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Pending

Pending·178 days on market·Reflections

47 Illumination Drive

Ponte Vedra, FL 32081

$829,719$329/sqftEst. $4,416/moMLS# 2125866

Beds

Baths

2,522

Sq Ft

2026

Built

Garage

Pool

About this home

Reflections

This Dostie Olympic is a spacious single-story home spanning 2,522 sq ft, featuring 4 bedrooms & 3 bathrooms. The inviting front porch leads into a welcoming foyer & versatile flex room, perfect for a home office or additional living space. The open-concept gathering & dining areas seamlessly connect to a gourmet kitchen, offering stunning views of the comfort zone and the expansive covered lanai—ideal for outdoor entertaining and accommodating an outdoor kitchen. The luxurious master suite boasts a generous layout & an elegant bathroom, complete with a large walk-in closet. 2 secondary bedrooms share a full bathroom and are situated in a separate wing, providing privacy and comfort for family or guests. For growing families, an optional 4th bedroom can be added to enhance your home's functionality. The Dostie Olympic combines spaciousness, flexibility, and modern design to suit your lifestyle needs.

Cost to own

Mortgage calculator

Home Price

$829,719

Down Payment: 20%

$165,944

Interest Rate: 6.55%

Loan Term

Monthly Payment

$4,217

Principal & Interest: $4,217

Est. Taxes & Insurance: $1,054

Estimated Total Monthly

$5,272

*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$4,416

Property taxesest. at asking price, St. Johns County$1,104

HOAbilled annually$70

Estimated total, before insurance$5,590/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	—

2025 property taxes (current owner): $4,586/yr

Estimated taxes if purchased at asking price: ~$13,200/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 2026)

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$829,719

Price / Sq Ft$329

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,522

Acres0.18 acres

Year Built2026

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionTo Be Built

StatusPending

# of Garages3

Has PoolNo

Is WaterfrontNo

New ConstructionYes

Direction FacesSouthwest

School Information

ElementaryPine Island Academy

MiddlePine Island Academy

HighAllen D. Nease

Community Information

Address47 Illumination Drive, Ponte Vedra, FL 32081

Area272-Nocatee South

SubdivisionReflections

CityPonte Vedra

CountySt. Johns

StateFL

Zip Code32081

Lot Size7,840.8 sq ft

Parcel Number0705033840

ZoningPUD

Amenities

AmenitiesPool, Children's Pool, Dog Park, Fitness Center, Jogging Path, Management - Full Time, Park, Playground, Tennis Court(s)

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

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Garage Door Opener, Off Street, On Street

Interior

Interior FeaturesBreakfast Bar, Eat-in Kitchen, Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Electric Oven, Gas Cooktop, Gas Water Heater, Microwave, Plumbed For Ice Maker, Tankless Water Heater

HeatingHeat Pump

CoolingCentral Air, Split System

# of Stories1

LevelsOne

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

SecurityCarbon Monoxide Detector(s), Security System Owned, Smoke Detector(s)