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This home is in Settlers Landing, Ponte Vedra.

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Active

Active·170 days on market·Settlers Landing

253 Potters Mill Trail

Ponte Vedra, FL 32081

$1,270,000$401/sqftEst. $6,529/moMLS# 2134783

Beds

Baths

3,168

Sq Ft

2022

Built

2.5

Garage

Pool

About this home

Settlers Landing

If you are looking for a super clean home in immaculate condition - look no further. Welcome to 253 Potters Mill Trail, located in Nocatee's exclusive Settlers Landing neighborhood. As you enter the home, you immediately notice the 12-foot main floor ceiling height and open floor plan looking directly through the home to the vast wooded preserve. The home has engineered wood throughout the main floor. Just off the foyer through French doors is a custom-built office. In the kitchen, the double stacked cabinets and extended island are exquisite. The home includes GE appliances with an upgraded GE Café 5 burner range top. The pantry is a homeowner's dream! The main floor living area includes 4 large sliding glass doors entering an extended outdoor area. The primary suite is a retreat with tray ceilings in the bedroom and primary bath. The primary bath has a cosmetic sit-down area, and a walk-in shower. The home includes a tandem garage with epoxy flooring and lots of storage.

Cost to own

Mortgage calculator

Home Price

$1,270,000

Down Payment: 20%

$254,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$6,529

Principal & Interest: $6,529

Property taxes (est.): $1,690

Insurance (est.): $847

Estimated Total Monthly

$9,066

*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$6,529

Property taxesest. at asking price, St. Johns County$1,690

HOAbilled annually$62

Estimated total, before insurance$8,281/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$12,919/yr · $1,077/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

Last sold: $1,078,900 in December 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$924,829	$744,893	—
2024	$813,848	$698,197	—
2023	$737,028	$676,405	—
2022	$112,000	$112,000	▼ $39,200

2025 property taxes (current owner): $12,919/yr

Estimated taxes if purchased at asking price: ~$20,300/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: material not specified — year not disclosed (home built 2022)

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

Solar potential: ~1,792 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.

History