Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie'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·101 days on market·Del Webb Nocatee

778 Curved Bay Trail

Ponte Vedra, FL 32081

$915,000$386/sqftEst. $4,704/moMLS# 2139979

Beds

Baths

2,371

Sq Ft

2023

Built

Garage

Pool

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

Mortgage calculator

Home Price

$915,000

Down Payment: 20%

$183,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$4,704

Principal & Interest: $4,704

Property taxes (est.): $1,218

Insurance (est.): $610

Estimated Total Monthly

$6,532

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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.

Cost to own

True monthly cost

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

Principal & interest20% down · 6.66% · 30yr$4,704

Property taxesest. at asking price, St. Johns County$1,218

HOAbilled monthly$344

Estimated total, before insurance$6,266/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.

Cost to own

Taxes & assessment

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

Year	Market value	Taxable value	Change
2025	$657,693	$450,942	—
2024	$639,345	$427,015	—
2023	$130,000	$130,000	—

Estimated taxes if purchased at asking price: ~$14,600/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.

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.

History

Price & status history

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.

Features

Price$915,000

Price / Sq Ft$386

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

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)

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)