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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in Del Webb Nocatee, Ponte Vedra — a gated community home in St. Johns County.

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Sold

Sold·Closed Aug 17, 2026·79 days on market·Recent sales in Del Webb Nocatee·Del Webb Nocatee

40 Sand Harbor Drive

Ponte Vedra, FL 32081

$530,000sold priceListed at $549,000 · 96.5% of asking$317/sqftMLS# 2137706
2
Beds
2
Baths
1,670
Sq Ft
2022
Built
2
Garage
No
Pool

29 more homes for sale in Del Webb Nocatee →Search Del Webb Nocatee on the map

FEMA Zone XHOA $234/mo6,098 sqft lotWaterfrontSingle Family Residence1 story

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

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$2,936
Property taxesest. at asking price, St. Johns County$705
HOAbilled monthly$234
Estimated total, before insurance$3,874/mo
Seller’s 2024 tax billper the MLS — includes any CDD / assessments$8,065/yr · $672/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, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
  • • 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 (that applies to the reference bill above too).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$530,000
$106,000
Loan Term
Monthly Payment
$2,936
Principal & Interest: $2,936
Property taxes (est.): $705
Insurance (est.): $353
Estimated Total Monthly
$3,994
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, Freddie Mac PMMS via FRED). Taxes use the county effective rate; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs may vary.

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

As of July 2026, this Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields at this property’s coordinates. None of it is a determination, survey, or inspection, and public records can lag or conflict with on-site conditions. Independently verify anything you’ll rely on: the flood zone at msc.fema.gov and floridadisaster.org/knowyourzone (and confirm flood-insurance cost with your lender and a licensed insurance agent), and the sewer/septic, roof, and utilities with a professional inspection.

Cost to own

Taxes & assessment

Last sold: $586,300 in February 2022(county public record, not MLS data)

YearMarket valueTaxable valueChange
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: ~$8,500/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.

History

Price & status history

  • Aug 17, 2026Closed$549,000
  • Apr 1, 2026Listed$549,000

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

Closed sales

What sold nearby

Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $326/sq ft; this home is listed at $329/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
126 Sand Harbor Drive, Ponte Vedra, FL 32081Listed by EXP REALTY LLCSep 2026$650,000$3302/21,969310.1
49 Timber Light Trail, Ponte Vedra, FL 32081Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERSAug 2026$473,000$3142/21,505700.1
57 Curved Bay Trail, Ponte Vedra, FL 32081Listed by SIGNATURE FIRST COAST REALTYJul 2026$490,000$3262/21,5051000.1
245 Timber Light Trail, Ponte Vedra, FL 32081Listed by RE/MAX UNLIMITEDSep 2026$415,000$2762/21,50520.2
166 Curved Bay Trail, Ponte Vedra, FL 32081Listed by PONTE VEDRA KEY REALTYAug 2026$460,000$3002/21,534980.2
213 Curved Bay Trail, Ponte Vedra, FL 32081Listed by SIGNATURE FIRST COAST REALTYJun 2026$635,000$3412/21,863320.2

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

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
StatusClosed
# 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)
Community FeaturesSidewalks, Gated
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)

Exterior

Lot DescriptionOther
Patio / PorchCovered, Front Porch, Patio, Porch, Rear Porch
RoofShingle
ConstructionFiber Cement
Road FrontagePrivate Road

Additional Information

Date ListedApril 1, 2026
Days on Market79
HOA Fees$233.53 / Monthly
HOA FrequencyMonthly
HOA NameFirst Service Residential Property Mgmt
HOA Fee IncludesSecurity
Tax Amount$8,065.03
Tax Year2024
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityYes
New ConstructionNo

Listing Courtesy of: ONE SOTHEBY'S INTERNATIONAL REALTY

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

The neighborhood

About Del Webb Nocatee

Del Webb Nocatee is a neighborhood in Over 55 & Active Adult, FL (St. Johns County), ZIP 32081.

View all Del Webb Nocatee homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Aug 17, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.

Text Krista about this saleHomes for sale nearby →

20+ years · 500+ closings · NE Florida

Curious what nearby homes sold for?

MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

Northeast Florida living

Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines