This home is in Walden Chase, Ponte Vedra.

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Active Under Contract

Active Under Contract·111 days on market·Walden Chase

220 W Silverthorn Lane

Ponte Vedra, FL 32081

$635,000$295/sqftEst. $3,380/moMLS# 2137104

Beds

Baths

2,151

Sq Ft

2001

Built

Garage

Yes

Pool

About this home

Walden Chase

** Seller is offering a $5K Buyer Concession with an acceptable offer ** Welcome to this beautifully updated 4-bedroom, 3-bathroom pool home offering modern upgrades & timeless comfort. New luxury vinyl plank (LVP) flooring installed in 2022, providing both durability & style throughout the main living areas. The completely renovated kitchen (2023) is a showstopper, featuring sleek quartz countertops, contemporary cabinetry, and ample space for cooking and entertaining. A spacious Owner's Suite offers a private retreat, with a fully renovated en-suite bathroom completed in 2024. Two additional bedrooms share a stylishly updated Jack & Jill bathroom, also renovated in 2024, while a third full bath adds convenience for guests. Enjoy peace of mind with major upgrades including a new HVAC system and new water heater, both installed in 2024. Step outside to your private backyard oasis with a sparkling pool--perfect for relaxing or entertaining year-round. Nocatee Lifestyle with NO CDD Fees

Cost to own

Mortgage calculator

Home Price

$635,000

Down Payment: 20%

$127,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$3,228

Principal & Interest: $3,228

Est. Taxes & Insurance: $807

Estimated Total Monthly

$4,035

*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$3,380

Property taxesest. at asking price, St. Johns County$845

HOAbilled annually$75

Estimated total, before insurance$4,300/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: $537,000 in June 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$446,329	$395,607	—
2024	$451,304	$401,304	—
2023	$467,796	$417,796	—
2022	$361,895	$296,777	—
2021	$269,797	$269,797	—
2020	$250,551	$250,551	—

2025 property taxes (current owner): $5,824/yr

Estimated taxes if purchased at asking price: ~$10,100/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 2001)

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

Sewer · St Johns County Utilities - accounts · Public water · St Johns County Utilities - water accounts

County records show this parcel on central sewer served by St Johns County Utilities - accounts — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,745 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, 2026Active Under Contract$635,000
Mar 27, 2026Listed$635,000

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

Features

Price$635,000

Price / Sq Ft$295

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,151

Acres0.16 acres

Year Built2001

TypeResidential

Sub-TypeSingle Family Residence

StyleContemporary, Ranch

Property ConditionUpdated/Remodeled

StatusActive Under Contract

# of Garages2

Has PoolYes

Pool FeaturesIn Ground, Pool Sweep, Screen Enclosure

Is WaterfrontNo

Direction FacesSouth

School Information

ElementaryValley Ridge Academy

MiddleValley Ridge Academy

HighAllen D. Nease

Community Information

Address220 W Silverthorn Lane, Ponte Vedra, FL 32081

Area272-Nocatee South

SubdivisionWalden Chase

CityPonte Vedra

CountySt. Johns

StateFL

Zip Code32081

Lot Size6,969.6 sq ft

Parcel Number0232410460

ZoningResidential

Amenities

AmenitiesPool, Children's Pool, Playground, Tennis Court(s)

UtilitiesCable Connected, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Garage Door Opener

Interior

Interior FeaturesBreakfast Bar, Built-in Features, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Jack and Jill Bath, Kitchen Island, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Electric Oven, Electric Water Heater, Microwave, Refrigerator

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringTile, Vinyl

FireplaceYes

# of Fireplaces1

Fireplace FeaturesGas

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Washer Hookup