This home is in Palm Crest At Nocatee, Ponte Vedra.

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Active

Active·111 days on market·Palm Crest At Nocatee

431 Palm Crest Drive

Ponte Vedra, FL 32081

$1,175,000$458/sqftEst. $6,254/moMLS# 2136570

Beds

Baths

2,565

Sq Ft

2024

Built

Garage

Yes

Pool

About this home

Palm Crest At Nocatee

Welcome to 431 Palm Crest Drive, a beautifully appointed ICI Homes Costa Mesa floor plan in the highly sought-after Palm Crest community of Nocatee. This home showcases exceptional upgrades, quality finishes, and thoughtful details throughout. From the moment you step inside, you'll notice the expansive feel created by large-format tile flooring throughout, dramatic custom light fixtures, and a striking accent wall in the dining room. Natural light fills the home, complemented by high-efficiency DC fans that enhance comfort in every room. The kitchen is a true focal point, featuring premium countertops, a custom tile backsplash that extends to the ceiling, double-stacked cabinetry with glass display and lighting, under-cabinet lighting, pull-out shelving, a Kohler composite sink, and upgraded LG appliances including a combo microwave/oven with air fryer functionality. The nearby laundry room is equally impressive, offering built-in cabinetry, a sink, and front-load LG washer and dryer.

Cost to own

Mortgage calculator

Home Price

$1,175,000

Down Payment: 20%

$235,000

Interest Rate: 6.49%

Loan Term

Monthly Payment

$5,935

Principal & Interest: $5,935

Est. Taxes & Insurance: $1,484

Estimated Total Monthly

$7,419

*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$6,254

Property taxesest. at asking price, St. Johns County$1,564

HOAbilled annually$106

Estimated total, before insurance$7,923/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: $917,900 in January 2024(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$899,761	$849,039	—
2024	$200,000	$148,500	—
2023	$135,000	$135,000	—

2025 property taxes (current owner): $14,392/yr

Estimated taxes if purchased at asking price: ~$18,800/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.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

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 26, 2026Listed$1,175,000

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

Features

Price$1,175,000

Price / Sq Ft$458

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,565

Acres0.27 acres

Year Built2024

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages3

Has PoolYes

Pool FeaturesIn Ground, Heated

Is WaterfrontNo

Community Information

Address431 Palm Crest Drive, Ponte Vedra, FL 32081

Area272-Nocatee South

SubdivisionPalm Crest At Nocatee

CityPonte Vedra

CountySt. Johns

StateFL

Zip Code32081

Lot Size11,761.2 sq ft

Parcel Number0705020210

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

Green / EnergyInsulation

ParkingAttached, Garage

ViewProtected Preserve, Trees/Woods

Interior

Interior FeaturesBreakfast Nook, Ceiling Fan(s), Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Primary Downstairs, Smart Thermostat, Split Bedrooms, Walk-In Closet(s)

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

HeatingHeat Pump

CoolingCentral Air, Electric

FlooringTile

# of Stories1

LaundryIn Unit