This home is in Del Webb Nocatee, Ponte Vedra.

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Active Under Contract

Active Under Contract·106 days on market·Del Webb Nocatee

40 Sand Harbor Drive

Ponte Vedra, FL 32081

$549,000$329/sqftEst. $2,922/moMLS# 2137706

Beds

Baths

1,670

Sq Ft

2022

Built

Garage

Pool

About this home

Del Webb Nocatee

Upgraded Del Webb Nocatee home with a tranquil pond and preserve backdrop, just a short walk to the Canopy Club. This 2BR + office, 2BA residence offers a bright open layout, a chef's kitchen with high-end finishes and ample prep space, and an extended lanai designed for everyday relaxation and entertaining. The primary suite is positioned to capture the water view and features a spa-style bath with a frameless glass shower and sleek finishes. Enjoy enhanced indoor-outdoor living with a Synergy surround sound system that carries through the living space and lanai. Del Webb's 24-hour guarded gate, vibrant activities calendar, and Nocatee's unmatched amenities complete the lifestyle. - Walk to Canopy Club - Pond + preserve views from main living and primary suite - 2BR + dedicated office (ideal flex space) - Upgraded kitchen + modern finishes - Lanai audio + indoor-outdoor entertaining setup

Cost to own

Mortgage calculator

Home Price

$549,000

Down Payment: 20%

$109,800

Interest Rate: 6.55%

Loan Term

Monthly Payment

$2,791

Principal & Interest: $2,791

Est. Taxes & Insurance: $698

Estimated Total Monthly

$3,488

*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$2,922

Property taxesest. at asking price, St. Johns County$731

HOAbilled monthly$234

Estimated total, before insurance$3,886/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: $586,300 in February 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$493,413	$442,691	—
2024	$507,018	$441,113	—
2023	$476,809	$426,809	—
2022	$100,800	$71,500	—
2021	$65,000	$65,000	—

2024 property taxes (current owner): $8,065/yr

Estimated taxes if purchased at asking price: ~$8,800/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 C

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

Roof: Shingle — year not disclosed (home built 2022)

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

Apr 1, 2026Listed$549,000

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

Features

Price$549,000

Price / Sq Ft$329

Bedrooms2

Bathrooms2.00

Full Baths2

Square Footage1,670

Acres0.14 acres

Year Built2022

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive Under Contract

# of Garages2

Has PoolNo

Is WaterfrontYes

Gated CommunityYes

55+ CommunityYes

Community Information

Address40 Sand Harbor Drive, Ponte Vedra, FL 32081

Area272-Nocatee South

SubdivisionDel Webb Nocatee

CityPonte Vedra

CountySt. Johns

StateFL

Zip Code32081

Lot Size6,098.4 sq ft

Parcel Number0704842140

ZoningResidential

Amenities

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

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

SewerPublic Sewer

Water SourcePublic

ParkingGarage

ViewPond, Protected Preserve

Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Kitchen Island, Open Floorplan, Primary Bathroom - Shower No Tub, Primary Downstairs, Walk-In Closet(s)

AppliancesDishwasher, Dryer, Gas Oven, Gas Range, Gas Water Heater, Ice Maker, Microwave, Refrigerator, Tankless Water Heater, Washer, Water Softener Owned

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile

# of Stories1

LevelsOne

LaundryLower Level

Security24 Hour Security, Gated with Guard, Security Gate, Smoke Detector(s)