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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 Del Webb Nocatee, Ponte Vedra — a 55+ community home in Nocatee.

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Active

Active·106 days on market·Del Webb Nocatee

186 Curved Bay Trail

Ponte Vedra, FL 32081

$475,000$310/sqftEst. $2,631/moMLS# 2128058
↓ $25,000 below original list
2
Beds
2
Baths
1,534
Sq Ft
2023
Built
2
Garage
No
Pool

28 more homes for sale in Del Webb Nocatee →Search Del Webb Nocatee on the map

FEMA Zone XHOA $564/mo6,970 sqft lotSingle Family Residence1 story

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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

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

True monthly cost

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

Principal & interest20% down · 7.4% · 30yr$2,631
Property taxesest. at asking price, St. Johns County$632
HOAbilled monthly$564
Estimated total, before insurance$3,828/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$8,634/yr · $720/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

$475,000
$95,000
Loan Term
Monthly Payment
$2,631
Principal & Interest: $2,631
Property taxes (est.): $632
Insurance (est.): $317
Estimated Total Monthly
$3,580
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-15, 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.

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

As of July 2026, 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.

Around this address

Nearby, from public data

The closest public beach, park, water access and league fields from this home's location.

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.

Cost to own

Taxes & assessment

Last sold: $500,000 in October 2023(county public record, not MLS data)

YearMarket valueTaxable valueChange
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: ~$7,600/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.

History

Price & status history

  • Sep 27, 2026Price change$475,000−$15,000
  • Jul 16, 2026Price change$490,000−$10,000
  • Jul 3, 2026Listed$500,000

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 $326/sq ft; this home is listed at $310/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
166 Curved Bay Trail, Ponte Vedra, FL 32081Listed by PONTE VEDRA KEY REALTYAug 2026$460,000$3002/21,534980
213 Curved Bay Trail, Ponte Vedra, FL 32081Listed by SIGNATURE FIRST COAST REALTYJun 2026$635,000$3412/21,863320
57 Curved Bay Trail, Ponte Vedra, FL 32081Listed by SIGNATURE FIRST COAST REALTYJul 2026$490,000$3262/21,5051000.1
126 Sand Harbor Drive, Ponte Vedra, FL 32081Listed by EXP REALTY LLCSep 2026$650,000$3302/21,969310.2
80 Oyster Shell Terrace, Ponte Vedra, FL 32081Listed by GIVE BACK REALTY, LLC.Sep 2026$479,000$3122/21,53450.2
281 Timber Light Trail, Ponte Vedra, FL 32081Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERSSep 2026$565,000$2982/21,8932000.2

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$475,000
Price / Sq Ft$310
Bedrooms2
Bathrooms2.00
Full Baths2
Square Footage1,534
Acres0.16 acres
Year Built2023
TypeResidential
Sub-TypeSingle Family Residence
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontNo
55+ CommunityYes

School Information

Zone sourceSt. Johns County School District attendance zones, current school year. Zones change; confirm with the district before you rely on one.
Reported byThe listing agent, in the MLS. Where it differs from the zone, the zone wins.

Community Information

Address186 Curved Bay Trail, Ponte Vedra, FL 32081
Area272-Nocatee South
SubdivisionDel Webb Nocatee
CityPonte Vedra
CountySt. Johns
StateFL
Zip Code32081
Lot Size6,969.6 sq ft
Parcel Number0721110100

Amenities

UtilitiesCable Connected, Electricity Connected, Natural Gas Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage

Interior

AppliancesDishwasher, Gas Oven, Microwave, Refrigerator
HeatingCentral
CoolingCentral Air
# of Stories1

Additional Information

Date ListedJuly 3, 2026
Days on Market223
HOA Fees$564.48 / Monthly
HOA FrequencyMonthly
Tax Amount$8,634.34
Tax Year2025
Listing TermsCash, Conventional, VA Loan
55+ CommunityYes
New ConstructionNo

Listing Courtesy of: EXP REALTY LLC

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 Del Webb Nocatee

Del Webb Nocatee is a neighborhood in Over 55 & Active Adult, FL (St. Johns County), ZIP 32081.

View all Del Webb Nocatee homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.

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20+ years · 500+ closings · NE Florida

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Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

Northeast Florida living

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