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 Settlers Landing, Ponte Vedra — a home near Allen D. Nease High School.

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Active

Active·167 days on market·Settlers Landing

223 Settlers Landing Drive

Ponte Vedra, FL 32081

$859,000$296/sqftEst. $4,416/moMLS# 2135021

Beds

Baths

2,906

Sq Ft

2022

Built

Garage

Pool

About this home

Settlers Landing

Welcome home! Why wait for New Construction, when the house is ready? This beautiful home, situated in a great neighborhood, great lot with a fenced yard water to preserve view, with sprawling almost 3000square feet of living space, high ceilings, summer kitchen, front porch, back porch, paved driveway and backyard with stone earth pavers and a gas fireplace to enjoy nature, entertainment and summer cookout. Welcomed by the large porch and the privacy to the tall ceilings, the ceramic tile throughout the house with guest room and bathroom on the left upon entrance and flex/office space on the right that opens to the large gourmet kitchen and the beautiful windows and the glass doors bringing so much light inside the house. Upstairs featuring owner suite, ensuite as well as 2 other bedrooms, one bathroom, laundry and a landing area to be used as an entertainment space. 4 Bedrooms, 3 baths, one office, one loft and Tandem 2.5 car garage.

Cost to own

Mortgage calculator

Home Price

$859,000

Down Payment: 20%

$171,800

Interest Rate: 6.66%

Loan Term

Monthly Payment

$4,416

Principal & Interest: $4,416

Property taxes (est.): $1,143

Insurance (est.): $573

Estimated Total Monthly

$6,132

*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$4,416

Property taxesest. at asking price, St. Johns County$1,143

HOAbilled annually$71

Estimated total, before insurance$5,630/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$11,027/yr · $919/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: $697,700 in April 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$695,131	$618,082	—
2024	$687,669	$599,955	—
2023	$657,296	$581,024	—
2022	$112,000	$112,000	▼ $39,200
2021	$70,000	$70,000	—

2025 property taxes (current owner): $11,027/yr

Estimated taxes if purchased at asking price: ~$13,700/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 — 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 2022)

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

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

Aug 3, 2026Price change$859,000−$20,000
Mar 14, 2026Listed$879,000

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

Features

Price$859,000

Price / Sq Ft$296

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,906

Total Structure Area3,848 sq ft

Acres0.17 acres

Year Built2022

TypeResidential

Sub-TypeSingle Family Residence

StyleContemporary, Craftsman

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontNo

School Information

ElementaryPine Island Academy

MiddlePine Island Academy

HighAllen D. Nease

Community Information

Address223 Settlers Landing Drive, Ponte Vedra, FL 32081

Area272-Nocatee South

SubdivisionSettlers Landing

CityPonte Vedra

CountySt. Johns

StateFL

Zip Code32081

Lot Size7,405.2 sq ft

Parcel Number0704950720

ZoningResidential

Amenities

AmenitiesPool, Barbecue, Basketball Court, Children's Pool, Clubhouse, Dog Park, Fitness Center, Jogging Path, Management - Off Site, Park, Pickleball, Playground, Tennis Court(s)

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

Green / EnergyAppliances, Doors, HVAC, Thermostat

ParkingElectric Vehicle Charging Station(s), Garage, Garage Door Opener, Off Street, On Street

ViewPond, Trees/Woods, Water

Interior

Interior FeaturesBuilt-in Features, Butler Pantry, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, His and Hers Closets, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Smart Thermostat, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesConvection Oven, Dishwasher, Disposal, ENERGY STAR Qualified Dishwasher, ENERGY STAR Qualified Refrigerator, ENERGY STAR Qualified Water Heater, Gas Cooktop, Gas Oven, Gas Range, Gas Water Heater, Microwave, Refrigerator, Tankless Water Heater

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile

# of Stories2

LevelsMulti/Split, Two

LaundryElectric Dryer Hookup, Upper Level

Window FeaturesSkylight(s)

SecuritySecurity System Owned