This home is in The Island at Twenty Mile, Ponte Vedra.

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Pending

Pending·118 days on market·The Island at Twenty Mile

140 Whisper Rock Drive

Ponte Vedra, FL 32081

$799,000$315/sqftEst. $4,253/moMLS# 2135604

Beds

Baths

2,534

Sq Ft

2017

Built

Garage

Pool

About this home

The Island at Twenty Mile

Taking Backups! Located in Nocatee's Twenty Mile, this home offers a protected preserve-view setting, a Bathroom for every Bedroom a dedicated office, first-floor primary suite, and a flexible upstairs guest suite with climate-controlled Florida basement storage. The main living area with coffered ceilings features wide-plank wood-look tile, built-ins, an electric fireplace, custom top-down bottom-up blinds, and a kitchen designed for everyday living with a gas cooktop, oversized quartz island, walk-in pantry, and stainless appliances. Each bedroom has access to a full bath, including a private upstairs suite with walk-in closet, ideal for guests, hobbies, or multigenerational living. A screened lanai overlooking the preserve creates a peaceful outdoor retreat for morning coffee or winding down at the end of the day. A built-in safe in the owner's suite, tankless water heater, owned water softener, and full-yard irrigation add comfort and convenience. And then there is the part

Cost to own

Mortgage calculator

Home Price

$799,000

Down Payment: 20%

$159,800

Interest Rate: 6.49%

Loan Term

Monthly Payment

$4,036

Principal & Interest: $4,036

Est. Taxes & Insurance: $1,009

Estimated Total Monthly

$5,045

*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, 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$4,253

Property taxesest. at asking price, St. Johns County$1,063

HOAbilled annually$40

Estimated total, before insurance$5,356/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

Year	Market value	Taxable value	Change
2025	$724,961	$628,359	—
2024	$684,241	$609,943	—
2023	$707,740	$590,721	—
2022	$609,559	$559,559	—
2021	$413,899	$324,284	—
2020	$387,737	$319,116	—

2025 property taxes (current owner): $10,952/yr

Estimated taxes if purchased at asking price: ~$12,800/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 D

Zone D evacuates after zones A, B, C in an approaching storm.

Roof: Shingle — year not disclosed (home built 2017)

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

Solar potential: ~1,781 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

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

Jul 9, 2026Pending$799,000
Mar 19, 2026Listed$799,000

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

Features

Price$799,000

Price / Sq Ft$315

Bedrooms4

Bathrooms4.00

Full Baths4

Square Footage2,534

Acres0.16 acres

Year Built2017

TypeResidential

Sub-TypeSingle Family Residence

StatusPending

# of Garages2

Has PoolNo

Is WaterfrontNo

School Information

ElementaryPalm Valley Academy

MiddlePalm Valley Academy

HighAllen D. Nease

Community Information

Address140 Whisper Rock Drive, Ponte Vedra, FL 32081

Area271-Nocatee North

SubdivisionTwenty Mile At Nocatee

CityPonte Vedra

CountySt. Johns

StateFL

Zip Code32081

Lot Size6,969.6 sq ft

Parcel Number0680610240

ZoningPUD

Amenities

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

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

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage

ViewProtected Preserve

Interior

Interior FeaturesBreakfast Bar, Built-in Features, Ceiling Fan(s), Entrance Foyer, Guest Suite, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Oven, Gas Cooktop, Microwave, Refrigerator, Tankless Water Heater, Washer, Water Softener Owned

HeatingCentral

CoolingCentral Air, Electric

FlooringCarpet, Tile

# of Stories1

LaundryIn Unit

SecurityCarbon Monoxide Detector(s), Smoke Detector(s)