This home is in Settlers Landing, Ponte Vedra.

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Active·45 days on market·Settlers Landing

167 Rainbow Trout Lane

Ponte Vedra, FL 32081

$750,000$323/sqftEst. $3,992/moMLS# 2127096

Beds

Baths

2,323

Sq Ft

2022

Built

Garage

Pool

About this home

Settlers Landing

Timeless, elevated, and thoughtfully designed, this stunning Settlers Landing home stands out from the rest! Rich architectural details include a shiplap entry, designer powder bath, soaring two-story dining room, Pottery Barn lighting, Rejuvenation hardware, and plantation shutters throughout. The great room with custom shiplap flows into an entertainer's kitchen featuring off-white cabinetry, quartz countertops, a statement vent hood, wood-accented island, and custom drop zone. The first-floor primary suite offers a tray ceiling and custom walk-in closet. Upstairs features three bedrooms, all with walk-in closets, a full bath, and a spacious loft. Enjoy preserve views from the screened lanai with an extended paver patio overlooking a fully fenced backyard. Additional upgrades include a whole-house water filtration system with reverse osmosis and an oversized deep garage. Designer finishes, thoughtful upgrades, and an exceptional location make this home truly one of a kind!!

Cost to own

Mortgage calculator

Home Price

$750,000

Down Payment: 20%

$150,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$3,812

Principal & Interest: $3,812

Est. Taxes & Insurance: $953

Estimated Total Monthly

$4,765

*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$3,992

Property taxesest. at asking price, St. Johns County$998

HOAbilled annually$79

Estimated total, before insurance$5,069/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: $781,600 in November 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$599,197	$599,197	—
2024	$584,023	$584,023	—
2023	$556,486	$556,486	—
2022	$112,000	$112,000	▼ $39,200
2021	$30,000	$30,000	—

Estimated taxes if purchased at asking price: ~$12,000/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.

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.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

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