This home is in Ponte Vedra — a waterfront home in Nocatee.
Pending·20 days on market
409 River Breeze Drive
Ponte Vedra, FL 32081
About this home
Ponte Vedra
Welcome to River Landing at Twenty Mile, an exclusive gated estate community within Nocatee. Surrounded by mature, tree-lined streets and stunning Intracoastal Waterway views, this private enclave offers a rare opportunity to build in one of the area's most desirable neighborhoods. Lot #15 spans approximately .53 acres with an average depth of 251 feet, providing ample space to design and build your custom dream home. Choose from an approved custom builder or bring your own builder, subject to ARB approval. Residents enjoy access to the River House and private dock, including daytime boat slips exclusively for homeowners. Please refer to the documents section for additional details regarding the homesite.
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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
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 A
Zone A evacuates first in a storm — typically coastal and surge-prone areas.
Roof: material not specified
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 homeAs of September 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.
Cost to own
Taxes & assessment
2025 property taxes (current owner): $10,104/yr
Estimated taxes if purchased at asking price: ~$11,200/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, NEFMLS.
History
Price & status history
- Sep 17, 2026Pending$700,000
- Sep 1, 2026Listed$700,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: GAILEY ENTERPRISES LLC · parker@gaileyenterprises.com
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.
Keep looking
More homes in River Landing
Under Contract146 Whistling Palm CourtPonte Vedra, FL 32081
4 bd · 5.5 ba · 3,860 sq ft
$2,399,000Est. $12,768/moWelcome to 146 Whistling Palm Court, an exquisite new custom estate in River Landing at Twenty Mile--Nocatee's most…
Listing Office: ponte vedra club realty, inc.
For Sale130 Whistling Palm CourtPonte Vedra, FL 32081
6 bd · 5.5 ba · 4,740 sq ft
$2,499,000Est. $13,301/moWelcome to 130 Whistling Palm Court, an exceptional brand-new custom residence in River Landing at Twenty Mile,…
Listing Office: ponte vedra club realty, inc.
For Sale605 Shell Ridge LanePonte Vedra, FL 32081
5 bd · 5.5 ba · 4,226 sq ft
$2,675,000Est. $14,237/moExperience luxury new construction and the coveted Nocatee lifestyle in River Landing, a prestigious gated community…
Listing Office: re/max unlimited
For Sale605 Shell Ridge LanePonte Vedra, FL 32081
5 bd · 5.5 ba · 4,226 sq ft
$2,675,000Est. $14,237/moBRAND NEW!! Welcome to 605 Shell Ridge Lane, an exquisite new custom estate in River Landing at Twenty Mile--Nocatee's…
Listing Office: ponte vedra club realty, inc.
Keep looking
Similar homes in Ponte Vedra
Explore the area
More in Nocatee
Nocatee guides & reports
Your Local Realtor
Krista Fracke
Broker Associate
Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.
Text Krista about this home20+ years · 500+ closings · NE Florida
Curious what nearby homes sold for?
MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines