This home is in Willowcove, Ponte Vedra.

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Active

Active·44 days on market·Willowcove

15 Catkin Lane

Ponte Vedra, FL 32081

$635,000$280/sqftEst. $3,380/moMLS# 2130666

Beds

Baths

2,267

Sq Ft

2015

Built

Garage

Pool

About this home

Willowcove

Welcome to your dream home in the heart of Nocatee, one of Florida's most sought-after communities. This stunning 4-bedroom, 3-bath, true 3 car garage residence offers high value without the premium price tag of its surroundings. The home perfectly combines coastal charm with modern luxury, offering bright open spaces, quality craftsmanship, and resort-style amenities right outside your door. An open-concept floor plan filled with natural light, ideal for entertaining family and friends. Gourmet kitchen featuring premium stainless-steel appliances, granite countertops, designer cabinetry, and center island. Relax in your private owner's suite with spa-inspired en suite bathroom, dual vanities, and a generous walk-in closet. Enjoy your morning coffee or evening BBQs on the covered lanai overlooking the beautifully landscaped backyard. Outdoor Bull natural gas grill and producing lemon tree. Modern Features include solar electric, stylish flooring, and ample storage throughout

Cost to own

Mortgage calculator

Home Price

$635,000

Down Payment: 20%

$127,000

Interest Rate: 6.49%

Loan Term

Monthly Payment

$3,208

Principal & Interest: $3,208

Est. Taxes & Insurance: $802

Estimated Total Monthly

$4,009

*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$3,380

Property taxesest. at asking price, St. Johns County$845

HOAbilled quarterly$77

Estimated total, before insurance$4,302/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	$575,131	$575,131	—
2024	$584,492	$260,812	—
2023	$573,654	$251,759	—
2022	$492,243	$242,970	—
2021	$352,674	$234,437	—
2020	$324,388	$230,510	—

2025 property taxes (current owner): $10,337/yr

Estimated taxes if purchased at asking price: ~$10,100/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.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: Shingle — year not disclosed (home built 2015)

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

Sewer · JEA · Public water · JEA_Premises point dataset with CCB_DESC like Water

County records show this parcel on central sewer served by JEA — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,770 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

Jul 12, 2026Price change$635,000−$5,000
Jun 1, 2026Listed$640,000

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

Features

Price$635,000

Price / Sq Ft$280

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,267

Total Structure Area2,267 sq ft

Acres0.22 acres

Year Built2015

TypeResidential

Sub-TypeSingle Family Residence

StyleContemporary

Property ConditionUpdated/Remodeled

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontNo

Direction FacesSouth

School Information

ElementaryPalm Valley Academy

MiddlePalm Valley Academy

HighAllen D. Nease

Community Information

Address15 Catkin Lane, Ponte Vedra, FL 32081

Area272-Nocatee South

SubdivisionWillowcove

CityPonte Vedra

CountySt. Johns

StateFL

Zip Code32081

Lot Size9,583.2 sq ft

Lot Dimensions60x140

Parcel Number0702722080

ZoningResidential

Amenities

AmenitiesPool, Basketball Court, Beach Access, Boat Launch, Children's Pool, Clubhouse, Dog Park, Fitness Center, Jogging Path, Management - Full Time, Management - Off Site, Park, Pickleball, Playground, Tennis Court(s), Trash, Water

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

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Built-in Features, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Guest Suite, In-Law Floorplan, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Smart Thermostat, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Disposal, Double Oven, Dryer, ENERGY STAR Qualified Dishwasher, ENERGY STAR Qualified Dryer, ENERGY STAR Qualified Freezer, ENERGY STAR Qualified Refrigerator, ENERGY STAR Qualified Washer, Gas Cooktop, Gas Oven, Gas Range, Gas Water Heater, Ice Maker, Instant Hot Water, Microwave, Plumbed For Ice Maker, Refrigerator, Tankless Water Heater, Washer

HeatingCentral, Electric, Natural Gas

CoolingCentral Air, Electric

FlooringCarpet, Tile

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Gas Dryer Hookup, In Unit, Lower Level, Washer Hookup

SecurityCarbon Monoxide Detector(s), Security Fence, Smoke Detector(s)

Spa FeaturesHeated, Community