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 River Landing, Ponte Vedra — a gated community home in St. Johns County.

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Active

Active·191 days on market·River Landing

605 Shell Ridge Lane

Ponte Vedra, FL 32081

$2,675,000$633/sqftEst. $13,752/moMLS# 2131034

Beds

Baths

4,226

Sq Ft

2026

Built

Garage

Pool

About this home

River Landing

BRAND NEW!! Welcome to 605 Shell Ridge Lane, an exquisite new custom estate in River Landing at Twenty Mile--Nocatee's most coveted gated enclave, celebrated for its serene preserve setting and rare Intracoastal Waterway access. Crafted by award-winning DF Luxury Homes by Marcus Meide, this beautiful classic home delivers a masterful fusion of timeless architectural charm and elevated contemporary design. A striking exterior showcases Hardie lap siding w/ Hardie shake accents. Inside, the home unfolds with an elegantly curated floor plan. The gourmet Thermador kitchen impresses with a 6-burner gas range, custom white cabinetry, a large island w/ ample storage, designer lighting, and high-end fixtures throughout. Thoughtfully planned for luxury living, the first level includes both a primary suite and secondary bedroom, a beautifully appointed mudroom, and a large laundry room with extensive

Cost to own

Mortgage calculator

Home Price

$2,675,000

Down Payment: 20%

$535,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$13,752

Principal & Interest: $13,752

Property taxes (est.): $3,560

Insurance (est.): $1,783

Estimated Total Monthly

$19,095

*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$13,752

Property taxesest. at asking price, St. Johns County$3,560

HOAbilled annually$231

Estimated total, before insurance$17,543/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$9,993/yr · $833/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	$500,000	$484,484	—
2024	$555,000	$440,440	—
2023	$550,000	$400,400	—
2022	$364,000	$364,000	—

2025 property taxes (current owner): $9,993/yr

Estimated taxes if purchased at asking price: ~$42,700/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 (shaded) — moderate flood risk (0.2% annual chance)

Flood insurance is optional but often inexpensive here — worth pricing.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Hurricane evacuation zone A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: Metal — year not disclosed (home built 2026)

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

Solar potential: ~1,275 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

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.

History

Price & status history

Jul 12, 2026Price change$2,675,000−$120,000
Feb 19, 2026Listed$2,795,000

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

Features

Price$2,675,000

Price / Sq Ft$633

Bedrooms5

Bathrooms5.50

Full Baths5

Half Baths1

Square Footage4,226

Acres0.47 acres

Year Built2026

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionUnder Construction

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontNo

Gated CommunityYes

New ConstructionYes

Direction FacesEast

School Information

ElementaryPalm Valley Academy

MiddlePalm Valley Academy

HighAllen D. Nease

Community Information

Address605 Shell Ridge Lane, Ponte Vedra, FL 32081

Area271-Nocatee North

SubdivisionRiver Landing

CityPonte Vedra

CountySt. Johns

StateFL

Zip Code32081

Lot Size20,473.2 sq ft

Parcel Number0694410690

ZoningResidential

Amenities

AmenitiesPool, Children's Pool, Clubhouse, Dog Park, Fitness Center, Gated, Jogging Path, Maintenance Grounds, Park, Pickleball, Playground, Tennis Court(s)

UtilitiesCable Available, Electricity Available, Sewer Connected, Water Available

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage

ViewProtected Preserve, Trees/Woods

Interior

Interior FeaturesBuilt-in Features, Ceiling Fan(s), Entrance Foyer, Kitchen Island, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Double Oven, Freezer, Gas Range, Gas Water Heater, Microwave, Refrigerator, Tankless Water Heater

HeatingCentral, Electric, Zoned

CoolingCentral Air, Electric, Zoned

FlooringCarpet, Wood

FireplaceYes

# of Fireplaces1

# of Stories2

LevelsTwo

LaundryLower Level

SecuritySecurity Gate