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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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Active

Active·147 days on market·Del Webb Nocatee

778 Curved Bay Trail

Ponte Vedra, FL 32081

$849,000$358/sqftEst. $4,703/moMLS# 2139979
↓ $116,000 below original list
3
Beds
2.5
Baths
2,371
Sq Ft
2023
Built
2
Garage
No
Pool

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

FEMA Zone XHOA $344/mo10,890 sqft lotSingle Family Residence1 story

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About this home

Del Webb Nocatee

Set on a premium upgraded wedge-shaped estate homesite in the newer Phase 3 of the community, this beautifully appointed Stardom floor plan offers exceptional privacy with a serene preserve backdrop and a thoughtfully designed layout. With approximately 2,371 square feet, the home features a bright bay-front flex room and a third bedroom, providing versatility for both everyday living and entertaining. The exterior impresses with stone-accented walls, a sealed paver driveway, gutters, and professionally designed low-maintenance landscaping with river rock borders. Inside, elegant finishes include 8-foot doors, 5.25-inch baseboards, rounded corners, and extensive crown molding. The great room features a double tray ceiling with accent paint, added LED lighting, built-in speakers, and 4-panel sliding pocketing doors that open seamlessly to the lanai, creating an ideal indoor-outdoor living experience. The upgraded kitchen is both stylish and functional, see more...

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$4,703
Property taxesest. at asking price, St. Johns County$1,130
HOAbilled monthly$344
Estimated total, before insurance$6,177/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.
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$849,000
$169,800
Loan Term
Monthly Payment
$4,703
Principal & Interest: $4,703
Property taxes (est.): $1,130
Insurance (est.): $566
Estimated Total Monthly
$6,398
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-15, 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 2023)

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: $901,700 in December 2023(county public record, not MLS data)

YearMarket valueTaxable valueChange
2025$657,693$450,942—
2024$639,345$427,015—
2023$130,000$130,000—

Estimated taxes if purchased at asking price: ~$13,600/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

  • Oct 9, 2026Price change$849,000−$40,000
  • Sep 10, 2026Price change$889,000−$26,000
  • Aug 30, 2026Price change$915,000−$24,000
  • Jul 11, 2026Price change$939,000−$26,000
  • May 21, 2026Listed$965,000

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 $298/sq ft; this home is listed at $358/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
40 Sand Harbor Drive, Ponte Vedra, FL 32081Listed by ONE SOTHEBY'S INTERNATIONAL REALTYAug 2026$530,000$3172/21,670790.1
281 Timber Light Trail, Ponte Vedra, FL 32081Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERSSep 2026$565,000$2982/21,8932000.4
241 Dosel Lane, St. Augustine, FL 32095Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINESep 2026$634,000$2634/32,411440.7
55 Aspendale Road, Ponte Vedra, FL 32081Listed by RICK WOOD & ASSOCIATES INCSep 2026$644,900$2614/3.52,4741550.7
21 Calle De Paz, St. Augustine, FL 32095Listed by REAL BROKER LLCSep 2026$530,000$2284/22,320170.8

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$849,000
Price / Sq Ft$358
Bedrooms3
Bathrooms2.50
Full Baths2
Half Baths1
Square Footage2,371
Acres0.25 acres
Year Built2023
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontNo
Gated CommunityYes
55+ CommunityYes

School Information

Zone sourceSt. Johns County School District attendance zones, current school year. Zones change; confirm with the district before you rely on one.
Reported byThe listing agent, in the MLS. Where it differs from the zone, the zone wins.

Community Information

Address778 Curved Bay Trail, Ponte Vedra, FL 32081
Area272-Nocatee South
SubdivisionDel Webb Nocatee
CityPonte Vedra
CountySt. Johns
StateFL
Zip Code32081
Lot Size10,890 sq ft
Parcel Number0721111960

Amenities

AmenitiesPool, Clubhouse, Dog Park, Fitness Center, Gated, Jogging Path, Pickleball, Playground, Spa/Hot Tub, Tennis Court(s)
Community FeaturesSidewalks, Street Lights, Restaurant
UtilitiesElectricity Connected, Sewer Connected
SewerPublic Sewer
Water SourcePublic
ParkingGarage Door Opener
ViewProtected Preserve

Interior

Interior FeaturesBreakfast Bar, Built-in Features, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)
AppliancesConvection Oven, Dishwasher, Disposal, Dryer, Electric Cooktop, Electric Oven, Microwave, Refrigerator, Tankless Water Heater, Washer
HeatingCentral
CoolingCentral Air
FlooringCarpet, Tile, Vinyl
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, Gas Dryer Hookup, Sink, Washer Hookup
Security24 Hour Security, Carbon Monoxide Detector(s), Gated with Guard, Security Gate, Smoke Detector(s)

Exterior

Patio / PorchCovered, Rear Porch, Screened
RoofShingle
ConstructionOther, Frame, Stone Veneer
Road SurfaceAsphalt

Additional Information

Date ListedMay 21, 2026
Days on Market160
HOA Fees$344.15 / Monthly
HOA FrequencyMonthly
HOA NameDel Webb Nocatee
HOA Fee IncludesMaintenance Grounds, Trash
Listing TermsCash, Conventional
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

Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.

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20+ years · 500+ closings · NE Florida

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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