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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 Oakwood At Nocatee, Ponte Vedra — a gated community home in St. Johns County.

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Active·248 days on market·Oakwood At Nocatee

21 Sugar Magnolia Drive

Ponte Vedra, FL 32081

$639,000$249/sqftEst. $3,539/mo mortgageMLS# 2130147
↓ $10,000 below original list
3
Beds
2.5
Baths
2,565
Sq Ft
2021
Built
2
Garage
No
Pool

All Oakwood At Nocatee homes for sale →Search Oakwood At Nocatee on the map

FEMA Zone XHOA $266/mo4,792 sqft lotTownhouse2 stories

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About this home

Oakwood At Nocatee

Discover one of Nocatee's best-kept secrets--this exclusive end-unit townhome in the gated Oakwood community of just 43 residences. Designed for effortless living, this 3-bedroom, 2.5-bath home features an open, light-filled layout and versatile spaces tailored to today's lifestyle. Enjoy a screened patio and fenced yard, perfect for relaxing mornings, quiet evenings, or casual entertaining. Upstairs, spacious bedrooms and flexible living areas provide comfort and adaptability to suit your needs, along with a huge finished storage closet that can easily function as a home gym, hobby space, or organized storage. Whether you're seeking a full-time residence or the perfect second home, you'll appreciate the lock-and-leave convenience with HOA-maintained lawn care, irrigation, and termite bond. Spend less time on upkeep and more time enjoying Nocatee's award-winning amenities, along with nearby dining, shopping, and beautiful beaches.

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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$3,539
Property taxesest. at asking price, St. Johns County$850
HOAbilled quarterly$266
Estimated total, before insurance$4,656/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$7,259/yr · $605/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

$639,000
$127,800
Loan Term
Monthly Payment
$3,539
Principal & Interest: $3,539
Property taxes (est.): $850
Insurance (est.): $426
Estimated Total Monthly
$4,816
*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 D

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

Roof: Shingle — year not disclosed (home built 2021)

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

Solar potential: ~1,768 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

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, league fields and grocery store from this home's location.

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. 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

YearMarket valueTaxable valueChange
2025$516,818$371,620—
2024$467,476$360,298—
2023$403,202$348,202—
2022$422,088$344,743—
2021$75,000$66,000—
2020$60,000$60,000—

2025 property taxes (current owner): $7,259/yr

Estimated taxes if purchased at asking price: ~$10,200/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

  • Jul 27, 2026Price change$639,000−$10,000
  • Feb 14, 2026Listed$649,000

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 $270/sq ft; this home is listed at $249/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
46 Sugar Magnolia Drive, Ponte Vedra, FL 32081Listed by COMPASS FLORIDA LLCMar 2026$615,000$2334/3.52,636100
14 Islington Lane, Ponte Vedra, FL 32081Listed by ICI SELECT REALTY, INC.Aug 2026$475,000$2573/2.51,8483780.8
67 Sewall Lane, Ponte Vedra, FL 32081Listed by ICI SELECT REALTY, INC.May 2026$530,000$2704/3.51,966420.8
53 Sewall Lane, Ponte Vedra, FL 32081Listed by ICI SELECT REALTY, INC.May 2026$623,787$3174/3.51,96690.8
33 Spinney Lane, Ponte Vedra, FL 32081Listed by EXP REALTY LLCMar 2026$485,000$2584/3.51,8771970.8
40 Islington Lane, Ponte Vedra, FL 32081Listed by ICI SELECT REALTY, INC.Dec 2025$562,765$3103/2.51,81500.8

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$639,000
Price / Sq Ft$249
Bedrooms3
Bathrooms2.50
Full Baths2
Half Baths1
Square Footage2,565
Acres0.11 acres
Year Built2021
TypeResidential
Sub-TypeTownhouse
StylePatio Home
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontNo
Gated CommunityYes

School Information

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

Community Information

Address21 Sugar Magnolia Drive, Ponte Vedra, FL 32081
Area271-Nocatee North
SubdivisionOakwood At Nocatee
CityPonte Vedra
CountySt. Johns
StateFL
Zip Code32081
Lot Size4,791.6 sq ft
Parcel Number0696310250
ZoningResidential

Amenities

AmenitiesDog Park, Gated
Community FeaturesSidewalks, Street Lights, Gated
UtilitiesCable Available, Electricity Connected, Natural Gas Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingGarage, Garage Door Opener

Interior

Interior FeaturesKitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Primary Downstairs, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Electric Oven, Gas Range, Gas Water Heater, Microwave, Refrigerator, Tankless Water Heater, Water Softener Owned
HeatingCentral, Electric, Heat Pump
CoolingCentral Air, Electric, Split System
FlooringCarpet, Tile
FireplaceYes
# of Fireplaces1
Fireplace FeaturesElectric
# of Stories2
LevelsTwo
LaundryLower Level
SecuritySecurity Gate

Exterior

Patio / PorchCovered, Rear Porch, Screened
FencingBack Yard
RoofShingle
ConstructionFrame

Additional Information

Date ListedFebruary 14, 2026
Days on Market178
HOA Fees$799.28 / Quarterly
HOA FrequencyQuarterly
HOA Fee IncludesMaintenance Grounds
Tax Amount$7,258.55
Tax Year2025
Listing TermsCash, Conventional
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: PONTE VEDRA COASTAL REALTY, INC.

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 Oakwood At Nocatee

Oakwood At Nocatee is a neighborhood in Nocatee, FL (St. Johns County), ZIP 32081.

View all Oakwood At Nocatee homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

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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