Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in Reflections, Ponte Vedra — a new construction home in Nocatee.

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Pending

Pending·202 days on market·Reflections

87 Illumination Drive

Ponte Vedra, FL 32081

$921,296$288/sqftEst. $4,736/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: 6.66%

Loan Term

Monthly Payment

$4,736

Principal & Interest: $4,736

Property taxes (est.): $1,226

Insurance (est.): $614

Estimated Total Monthly

$6,577

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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.

Cost to own

True monthly cost

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

Principal & interest20% down · 6.66% · 30yr$4,736

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

HOAbilled annually$70

Estimated total, before insurance$6,032/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,586/yr · $382/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).

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

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.

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)