This home is in Del Webb Nocatee, Ponte Vedra.

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Active Under Contract

Active Under Contract·136 days on market·Del Webb Nocatee

128 Oyster Shell Terrace

Ponte Vedra, FL 32081

$450,000$293/sqftEst. $2,395/moMLS# 2132670

Beds

Baths

1,534

Sq Ft

2024

Built

Garage

Pool

About this home

Del Webb Nocatee

**$23K IN UPGRADES**PRESERVE LOT**55+ COMMUNITY**FLEX ROOM** Welcome to your own personal oasis in the desirable community of Nocatee! This 2 bed/2 bath villa features the only kitchen in the community with an EXTENDED ISLAND, TILE THROUGHOUT, a PAVER LANAI, upgraded kitchen appliances, UNDER CABINET LIGHTING in the kitchen, and quartz countertops, with 23,000 dollars worth of upgrades throughout! Additional highlights include a WATER SOFTENER system, epoxy garage flooring, CUSTOM STORAGE CABINETS, paver driveway, home blinds & designer window treatments. The flexible BONUS SPACE is perfect for an office or home gym. Enjoy PRESERVE VIEWS from your back lanai and all-inclusive access to Nocatee amenities, including the water parks, plus a prime location near Nocatee Town Center, grocery stores, and the beach. Don't miss out!

Cost to own

Mortgage calculator

Home Price

$450,000

Down Payment: 20%

$90,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$2,287

Principal & Interest: $2,287

Est. Taxes & Insurance: $572

Estimated Total Monthly

$2,859

*Estimates based on 30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, 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$2,395

Property taxesest. at asking price, St. Johns County$599

HOAbilled monthly$564

Estimated total, before insurance$3,558/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

Last sold: $478,600 in July 2024(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$422,037	$422,037	—
2024	$100,000	$100,000	—
2023	$100,000	$100,000	—

2025 property taxes (current owner): $7,782/yr

Estimated taxes if purchased at asking price: ~$7,200/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.

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: Shingle — year not disclosed (home built 2024)

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 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 2, 2026Listed$450,000

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

Features

Price$450,000

Price / Sq Ft$293

Bedrooms2

Bathrooms2.00

Full Baths2

Square Footage1,534

Acres0.10 acres

Year Built2024

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional, Villa

Property ConditionUpdated/Remodeled

StatusActive Under Contract

# of Garages2

Has PoolNo

Is WaterfrontNo

Gated CommunityYes

55+ CommunityYes

Direction FacesNortheast

Community Information

Address128 Oyster Shell Terrace, Ponte Vedra, FL 32081

Area272-Nocatee South

SubdivisionDel Webb Nocatee

CityPonte Vedra

CountySt. Johns

StateFL

Zip Code32081

Lot Size4,356 sq ft

Parcel Number0721111230

ZoningResidential

Amenities

AmenitiesPool, Clubhouse, Fitness Center, Gated, Jogging Path, Maintenance Grounds, Maintenance Structure, Management - Full Time, Management- On Site, Pickleball, Spa/Hot Tub, Tennis Court(s)

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

SewerPublic Sewer

Water SourcePublic

ParkingAdditional Parking, Attached, Garage, Garage Door Opener, Off Street

ViewProtected Preserve

Interior

Interior FeaturesBreakfast Bar, Built-in Features, Eat-in Kitchen, Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Split Bedrooms, Walk-In Closet(s)

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

HeatingCentral, Electric, Heat Pump

CoolingCentral Air, Electric

FlooringTile

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, In Unit, Washer Hookup

SecuritySmoke Detector(s)