This home is in Del Webb Nocatee, Ponte Vedra.

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Active·13 days on market·Del Webb Nocatee

186 Curved Bay Trail

Ponte Vedra, FL 32081

$490,000$319/sqftEst. $2,608/moMLS# 2128058

Beds

Baths

1,534

Sq Ft

2023

Built

Garage

Pool

About this home

Del Webb Nocatee

Polished, peaceful, and filled with natural light - this home feels right from the start. Built in 2023 and set within the sought-after Del Webb Nocatee community in Ponte Vedra, the villa offers a beautifully considered layout designed for easy, enjoyable living. Natural light pours through the open layout from morning to evening, highlighting a charming kitchen with quartz countertops, crisp white cabinetry, and KitchenAid stainless steel appliances, creating a space where the home chef can thrive. Meanwhile, morning coffee or evenings with friends feel easy thanks to the seamless flow from the gathering room to the screened lanai. With two bedrooms and two baths across 1,534 square feet, the home strikes a rare balance - open and airy, yet comfortable and easy to live in. The owner's suite comes complete with a walk-in closet and a sleek, glass-enclosed shower. A flex room near the entry adapts easily to your needs: office, library, or creative escape.

Cost to own

Mortgage calculator

Home Price

$490,000

Down Payment: 20%

$98,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$2,491

Principal & Interest: $2,491

Est. Taxes & Insurance: $623

Estimated Total Monthly

$3,113

*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$2,608

Property taxesest. at asking price, St. Johns County$652

HOAbilled monthly$564

Estimated total, before insurance$3,824/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: $500,000 in October 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$461,219	$461,219	—
2024	$463,391	$463,391	—
2023	$130,000	$130,000	—

2025 property taxes (current owner): $8,634/yr

Estimated taxes if purchased at asking price: ~$7,800/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 2023)

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