This home is in Reflections, Ponte Vedra.

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Active

Active·89 days on market·Reflections

442 Reflections Avenue

Ponte Vedra, FL 32081

$800,000$335/sqftEst. $4,258/moMLS# 2140786

Beds

Baths

2,389

Sq Ft

2025

Built

Garage

Pool

About this home

Reflections

Live the sought-after Nocatee lifestyle without sacrificing privacy in this better-than-new Riverside home. Just one year old, it sits on an oversized cul-de-sac lot with only one immediate neighbor and rare pond-to-preserve views--an unmatched setting you simply can't replicate. The open-concept great room flows into a chef's kitchen with upgraded appliances, custom cabinetry, and premium finishes.12-ft sliders lead to a 600 sq ft screened lanai--ideal for seamless indoor-outdoor living. The fenced yard is professionally landscaped with plenty of room for a pool. Inside, enjoy spa-like baths, designer lighting, and added windows showcasing serene views. A 2+ car garage with epoxy floors and mini-split A/C is ready for your home gym. Tucked on a quiet cul-de-sac near the new greenway trail, this move-in ready home offers a rare blend of privacy, upgrades, and proximity to Nocatee's renowned amenities. **Up to 1% credit for buyer's closing costs using seller's preferred lender.

Cost to own

Mortgage calculator

Home Price

$800,000

Down Payment: 20%

$160,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$4,066

Principal & Interest: $4,066

Est. Taxes & Insurance: $1,017

Estimated Total Monthly

$5,083

*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$4,258

Property taxesest. at asking price, St. Johns County$1,065

HOAbilled annually$79

Estimated total, before insurance$5,402/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	$120,000	$120,000	—

2025 property taxes (current owner): $4,464/yr

Estimated taxes if purchased at asking price: ~$12,800/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.

Outside all hurricane evacuation zones

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

Roof: Shingle — year not disclosed (home built 2025)

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

Solar potential: ~1,567 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

Price & status history

Jul 9, 2026Price change$800,000−$25,000
Apr 18, 2026Listed$825,000

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

Features

Price$800,000

Price / Sq Ft$335

Bedrooms4

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage2,389

Acres0.20 acres

Year Built2025

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontYes

School Information

ElementaryPine Island Academy

MiddlePine Island Academy

HighAllen D. Nease

Community Information

Address442 Reflections Avenue, Ponte Vedra, FL 32081

Area272-Nocatee South

SubdivisionReflections

CityPonte Vedra

CountySt. Johns

StateFL

Zip Code32081

Lot Size8,712 sq ft

Parcel Number0705032980

ZoningResidential

Amenities

UtilitiesElectricity Connected, Sewer Connected, Water Connected

Water SourcePublic

ParkingGarage

ViewPond, Protected Preserve, Trees/Woods

Waterfront TypePond

Interior

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

AppliancesDisposal, Dryer, Electric Oven, Electric Water Heater, Freezer, Gas Cooktop, Gas Range, Ice Maker, Instant Hot Water, Microwave, Refrigerator, Washer

HeatingCentral

CoolingCentral Air

FlooringVinyl

# of Stories2

LaundryIn Unit