This home is in Pioneer Village, Ponte Vedra.

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Active Under Contract

Active Under Contract·96 days on market·Pioneer Village

425 Union Hill Drive

Ponte Vedra, FL 32081

$518,000$290/sqftEst. $2,757/moMLS# 2137302

Beds

Baths

1,786

Sq Ft

2021

Built

Garage

Pool

About this home

Pioneer Village

A rare opportunity to own in Pioneer Village at Crosswater--one of Nocatee's most sought-after neighborhoods--at an exceptional value. This 1,785-square-foot home blends comfort, functionality, and style, offering an ideal layout for everyday living and entertaining. Lanai screened in April 2026! The open-concept design features durable tile flooring throughout the main living areas and a spacious layout that flows seamlessly into the kitchen, complete with a gas range, center island, and generous pantry storage. The primary suite provides a relaxing retreat with a quiet preserve view, an oversized shower and a large walk-in closet. A versatile flex space offers the option for a home office, formal sitting area, playroom or hobby room.

Cost to own

Mortgage calculator

Home Price

$518,000

Down Payment: 20%

$103,600

Interest Rate: 6.55%

Loan Term

Monthly Payment

$2,633

Principal & Interest: $2,633

Est. Taxes & Insurance: $658

Estimated Total Monthly

$3,291

*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$2,757

Property taxesest. at asking price, St. Johns County$689

HOAbilled annually$79

Estimated total, before insurance$3,525/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	$494,373	$494,373	—
2024	$489,762	$473,986	—
2023	$500,651	$430,896	—
2022	$391,724	$391,724	—
2021	$85,000	$85,000	—
2020	$80,000	$80,000	—

2025 property taxes (current owner): $9,021/yr

Estimated taxes if purchased at asking price: ~$8,300/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.

Hurricane evacuation zone D

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

Roof: Shingle — year not disclosed (home built 2021)

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

Solar potential: ~1,747 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

Apr 11, 2026Listed$518,000

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

Features

Price$518,000

Price / Sq Ft$290

Bedrooms2

Bathrooms2.00

Full Baths2

Square Footage1,786

Acres0.15 acres

Year Built2021

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive Under Contract

# of Garages2

Has PoolNo

Is WaterfrontNo

School Information

ElementaryPine Island Academy

MiddlePine Island Academy

HighAllen D. Nease

Community Information

Address425 Union Hill Drive, Ponte Vedra, FL 32081

Area272-Nocatee South

SubdivisionPioneer Village

CityPonte Vedra

CountySt. Johns

StateFL

Zip Code32081

Lot Size6,534 sq ft

Parcel Number0704920630

ZoningResidential

Amenities

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

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

ViewTrees/Woods

Interior

Interior FeaturesCeiling Fan(s), Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Primary Downstairs, Walk-In Closet(s)

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

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Lower Level, Washer Hookup

SecuritySmoke Detector(s)