This home is in Reflections, Ponte Vedra.

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Pending

Pending·160 days on market·Reflections

87 Illumination Drive

Ponte Vedra, FL 32081

$921,296$288/sqftEst. $4,904/moMLS# 2129030

Beds

Baths

3,202

Sq Ft

2026

Built

Garage

Pool

About this home

Reflections

The Denali is a 3,166 sq/ft., 2 story home with 4 bedrooms & 3.5 baths. The entry welcomes visitors into the foyer and flex room. The gathering & dining rooms are both open to the kitchen with views to the covered lanai. The kitchen has a large working pantry with upper and lower cabinets. A large master with elegant bath has a huge walk-in closet that is connected to the laundry room and family foyer for added convenience. Three secondary bedrooms and two hall baths are located upstairs adjacent to a large bonus room, perfect for game night.

Cost to own

Mortgage calculator

Home Price

$921,296

Down Payment: 20%

$184,259

Interest Rate: 6.55%

Loan Term

Monthly Payment

$4,683

Principal & Interest: $4,683

Est. Taxes & Insurance: $1,171

Estimated Total Monthly

$5,854

*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$4,904

Property taxesest. at asking price, St. Johns County$1,226

HOAbilled annually$70

Estimated total, before insurance$6,199/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: ~$14,700/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$921,296

Price / Sq Ft$288

Bedrooms4

Bathrooms3.50

Full Baths3

Half Baths1

Square Footage3,202

Acres0.22 acres

Year Built2026

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionTo Be Built

StatusPending

# of Garages3

Has PoolNo

Is WaterfrontNo

New ConstructionYes

Direction FacesWest

School Information

ElementaryPine Island Academy

MiddlePine Island Academy

HighAllen D. Nease

Community Information

Address87 Illumination Drive, Ponte Vedra, FL 32081

Area272-Nocatee South

SubdivisionReflections

CityPonte Vedra

CountySt. Johns

StateFL

Zip Code32081

Lot Size9,583.2 sq ft

Parcel Number0705033810

ZoningSingle Family

Amenities

AmenitiesPool, Children's Pool, Dog Park, Jogging Path, Management - Full Time, Management - Off Site, Park, Playground

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

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener, Off Street, On Street

ViewProtected Preserve

Interior

Interior FeaturesBreakfast Bar, Built-in Features, Butler Pantry, 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

HeatingCentral, Heat Pump

CoolingCentral Air, Split System

FireplaceYes

# of Fireplaces1

Fireplace FeaturesGas

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, Gas Dryer Hookup, Sink, Washer Hookup

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