This home is in Ponte Vedra.

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Active

Active·105 days on market

513 Vista Lake Circle

Ponte Vedra, FL 32081

$499,900$306/sqftEst. $2,661/moMLS# 2137317

Beds

Baths

1,631

Sq Ft

2018

Built

Garage

Pool

About this home

Ponte Vedra

Welcome to Lake-Front living in Nocatee! Wake up to stunning sunrise views and relax with comfortable shady afternoons in this well designed 3 bed, 2 bath single story home. Step inside to rich hardwood floors, and an open, airy layout. The chef's kitchen is anchored by a large center island and equipped with natural gas cooking. The seamless flow between kitchen, dining, and living areas means you're never far from the conversation. Retreat to your owner's suite featuring a zero entry oversized walk-in shower and custom designed closet that maximizes function and style. Two additional bedrooms provide flexibility for guests, home office, or hobbies. Florida living is all about indoor and outdoor spaces. The extended lanai offers another 200sqft of space to enjoy the peaceful lake, gorgeous at every hour. Located in the sought-after Nocatee community, you'll have access to top-tier amenities, schools, parks, trails, and easy access to beaches, shopping and dining.

Cost to own

Mortgage calculator

Home Price

$499,900

Down Payment: 20%

$99,980

Interest Rate: 6.49%

Loan Term

Monthly Payment

$2,525

Principal & Interest: $2,525

Est. Taxes & Insurance: $631

Estimated Total Monthly

$3,156

*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$2,661

Property taxesest. at asking price, St. Johns County$665

HOAbilled annually$79

Estimated total, before insurance$3,405/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: $540,000 in January 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$465,492	$303,695	—
2024	$474,812	$294,429	—
2023	$442,900	$178,150	—
2022	$364,606	$175,859	—
2021	$289,652	$169,766	—
2020	$269,934	$166,732	—

2025 property taxes (current owner): $6,614/yr

Estimated taxes if purchased at asking price: ~$8,000/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 2018)

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

Solar potential: ~1,803 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 1, 2026Listed$499,900

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

Features

Price$499,900

Price / Sq Ft$306

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,631

Acres0.11 acres

Year Built2018

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontYes

Direction FacesEast

School Information

ElementaryPine Island Academy

MiddlePine Island Academy

HighAllen D. Nease

Community Information

Address513 Vista Lake Circle, Ponte Vedra, FL 32081

Area272-Nocatee South

SubdivisionLiberty Cove At Crosswater

CityPonte Vedra

CountySt. Johns

StateFL

Zip Code32081

Lot Size4,791.6 sq ft

Parcel Number0704910930

ZoningRecreational

Amenities

AmenitiesPool, Basketball Court, Clubhouse, Dog Park, Park, Pickleball, Playground, Tennis Court(s)

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

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Garage Door Opener

ViewPond

Waterfront TypePond

Interior

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

AppliancesDishwasher, Disposal, Dryer, Gas Range, Gas Water Heater, Ice Maker, Microwave, Refrigerator, Tankless Water Heater, Washer

HeatingCentral

CoolingCentral Air

FlooringWood

# of Stories1

LevelsOne

LaundryIn Unit