This home is in Ponte Vedra.

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Pending

Pending·118 days on market

399 Reflections Avenue

Ponte Vedra, FL 32081

$637,980$352/sqftEst. $3,396/moMLS# 2128781

Beds

Baths

1,810

Sq Ft

2026

Built

Garage

Pool

About this home

Ponte Vedra

Nestled on a serene preserve lot in the highly sought-after Reflections at Nocatee, this beautifully designed 1-story, 3-bedroom, 2-bath home offers 1,810 square feet of effortless Florida living. The open-concept layout is perfect for both everyday comfort and entertaining, anchored by a spacious kitchen that flows seamlessly into the main living areas. Retreat to the private owner's suite featuring soaring cathedral ceilings, creating a light-filled, peaceful escape. Step outside to an extended lanai overlooking the preserve—ideal for morning coffee or relaxing evenings surrounded by nature. Enjoy access to Nocatee's award-winning amenities, top-rated schools, miles of trails, water parks, and vibrant community events, all while coming home to a quiet, thoughtfully designed retreat.

Cost to own

Mortgage calculator

Home Price

$637,980

Down Payment: 20%

$127,596

Interest Rate: 6.49%

Loan Term

Monthly Payment

$3,223

Principal & Interest: $3,223

Est. Taxes & Insurance: $806

Estimated Total Monthly

$4,028

*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, 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$3,396

Property taxesest. at asking price, St. Johns County$849

HOAbilled annually$70

Estimated total, before insurance$4,315/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.

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.

Solar potential: ~1,567 usable sun-hours per year

A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.

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.