This home is in Greenleaf Lakes, Ponte Vedra.

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Active·91 days on market·Greenleaf Lakes

197 Greenleaf Lakes Avenue

Ponte Vedra, FL 32081

$849,000$264/sqftEst. $4,519/moMLS# 2140103

Beds

Baths

3,220

Sq Ft

2015

Built

Garage

Pool

About this home

Greenleaf Lakes

**Sellers are offering up to $15,000 in closing cost credit!** Welcome to luxury living in Ponte Vedra. Located within walking distance to top-rated Valley Ridge Academy (K-8).This stunning 4-bedroom + bonus room, 3.5-bathroom home offers the perfect combination of elegance, comfort, and functionality. Inside you will find a spacious open layout, gourmet kitchen, and beautiful natural light throughout. Step outside to your private backyard oasis complete with an outdoor kitchen, expansive patio, fire pit, and deluxe swim spa -- perfect for entertaining or relaxing. Additional upgrades include a full-house generator for added peace of mind and air-conditioned garage ideal for a home gym or workshop. Just minutes from beautiful beaches, premier shopping and dining destinations, this home offers the best of Ponte Vedra living! Don't miss your chance to own a piece of paradise!

Cost to own

Mortgage calculator

Home Price

$849,000

Down Payment: 20%

$169,800

Interest Rate: 6.49%

Loan Term

Monthly Payment

$4,289

Principal & Interest: $4,289

Est. Taxes & Insurance: $1,072

Estimated Total Monthly

$5,361

*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$4,519

Property taxesest. at asking price, St. Johns County$1,130

HOAbilled annually$42

Estimated total, before insurance$5,690/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

Year	Market value	Taxable value	Change
2025	$732,601	$0	—
2024	$721,760	$0	—
2023	$707,664	$0	—
2022	$603,783	$0	—
2021	$452,684	$0	—
2020	$409,918	$335,597	—

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.

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.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: material not specified — year not disclosed (home built 2015)

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

Solar potential: ~1,744 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