This home is in Ponte Vedra.

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Active

Active·132 days on market

489 Vista Lake Circle

Ponte Vedra, FL 32081

$669,000$284/sqftEst. $3,561/moMLS# 2129947

Beds

Baths

2,352

Sq Ft

2018

Built

Garage

Pool

About this home

Ponte Vedra

Welcome to this pristine 4BR/3BA home situated on a desirable water lot with stunning views of a serene pond. Built by Providence Homes, this popular Fanning Floorplan offers a perfect blend of style, comfort, and functionality. The first floor includes a private guest bedroom with an adjacent full bathroom—ideal for visitors or multigenerational living. The heart of the home is the gourmet kitchen, complete with stainless steel appliances, natural gas cooking, and an open layout that flows seamlessly into the living and dining areas—excellent for entertaining. Upstairs, you'll find the spacious owner's suite, two additional bedrooms, and a versatile loft area tailor-made for a playroom, office, or media space. Step outside to your own private outdoor oasis. The fully fenced backyard features a lanai and a large extended paver patio--spot on for a firepit or grill area—all while enjoying tranquil water views. Located in the highly sought-after community of Nocatee, enjoy

Cost to own

Mortgage calculator

Home Price

$669,000

Down Payment: 20%

$133,800

Interest Rate: 6.49%

Loan Term

Monthly Payment

$3,379

Principal & Interest: $3,379

Est. Taxes & Insurance: $845

Estimated Total Monthly

$4,224

*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$3,561

Property taxesest. at asking price, St. Johns County$890

HOAbilled annually$79

Estimated total, before insurance$4,530/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	$541,604	$140,099	—
2024	$553,384	$133,893	—
2023	$517,494	$126,935	—
2022	$432,235	$174,680	—
2021	$346,591	$168,121	—
2020	$321,830	$165,103	—

2024 property taxes (current owner): $4,322/yr

Estimated taxes if purchased at asking price: ~$10,700/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.

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 D

Zone D evacuates after zones A, B, C in an approaching storm.

Roof: Shingle — year not disclosed (home built 2018)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Solar potential: ~1,788 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.

History

Price & status history

Mar 5, 2026Listed$669,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$669,000

Price / Sq Ft$284

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,352

Acres0.11 acres

Year Built2018

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontYes

School Information

ElementaryPine Island Academy

MiddlePine Island Academy

HighAllen D. Nease

Community Information

Address489 Vista Lake Circle, Ponte Vedra, FL 32081

Area272-Nocatee South

SubdivisionLiberty Cove At Crosswater

CityPonte Vedra

CountySt. Johns

StateFL

Zip Code32081

Lot Size4,791.6 sq ft

Parcel Number0704910960

Amenities

AmenitiesPool, Basketball Court, Children's Pool, Dog Park, Fitness Center, Jogging Path, Park, Pickleball, Playground, Tennis Court(s)

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

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Garage Door Opener

ViewPond, Water

Waterfront TypePond

Interior

Interior FeaturesCeiling Fan(s), Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Gas Range, Gas Water Heater, Microwave, Refrigerator, Tankless Water Heater, Washer

HeatingCentral, Electric, Zoned

CoolingCentral Air, Electric

FlooringCarpet, Tile

# of Stories2

SecuritySmoke Detector(s)