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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 Pioneer Village, Ponte Vedra — a home near Allen D. Nease High School.

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Sold

Sold·Closed Oct 9, 2026·135 days on market·Recent sales in Pioneer Village·Pioneer Village

128 Union Hill Drive

Ponte Vedra, FL 32081

$535,000sold priceListed at $549,000 · 97.4% of asking$264/sqftMLS# 2140853
3
Beds
2
Baths
2,026
Sq Ft
2021
Built
2
Garage
No
Pool

2 more homes for sale in Pioneer Village →Search Pioneer Village on the map

FEMA Zone XHOA $79/mo8,712 sqft lotSingle Family Residence1 story

About this home

Pioneer Village

Move-in ready and built in 2021, this 3-bedroom, 2-bath home sits on a private corner lot in Pioneer Village at Nocatee, with preserve views, partial pond views, and golf cart-friendly access to Nocatee's parks, trails, and amenity centers. Zoned for Sabal Crest Academy, the new K-8 school opening for the 2026-2027 school year, and part of St. Johns County School District, Florida's number one-ranked school district. Inside, an open-concept layout connects the living, dining, and kitchen areas, anchored by a large center island, a gas range, stainless steel appliances, a tile backsplash, and abundant cabinet space. A separate home office offers dedicated space for remote work or study adjacent to the main living area. Plantation shutters and new carpet round out the interior. Step outside to an extended patio and screened lanai, ideal for year-round Florida living, with a fenced backyard offering partial pond views. The oversized driveway provides exceptional guest parking, a rare

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$2,963
Property taxesest. at asking price, St. Johns County$712
HOAbilled annually$79
Estimated total, before insurance$3,754/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$8,204/yr · $684/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

$535,000
$107,000
Loan Term
Monthly Payment
$2,963
Principal & Interest: $2,963
Property taxes (est.): $712
Insurance (est.): $357
Estimated Total Monthly
$4,032
*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 D

Zone D evacuates after zones A, B, C in an approaching storm.

Roof: Shingle — year not disclosed (home built 2021)

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

Solar potential: ~1,781 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

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.

Sun & Light

South-facing backyard — the year-round light lot

The listing reports the home facing north, which puts the backyard on the south side. Today at this address: sunrise 7:27 AM, sunset 6:55 PM.

  • The rear gets sun through the day in every season — in winter, the low southern sun keeps the lanai and yard bright when north-facing yards go flat.
  • A pool back here takes sun most of the day, which means warmer water in the shoulder seasons and the most useful screened-lanai light for plants.
  • Summer afternoons are strong but not the direct western blast — shade sails or lanai screening handle it.

Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.

Cost to own

Taxes & assessment

YearMarket valueTaxable valueChange
2025$530,164$408,489—
2024$524,859$396,269—
2023$536,809$383,271—
2022$420,651$370,651—
2021$85,000$85,000—
2020$80,000$80,000—

2025 property taxes (current owner): $8,204/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

  • Oct 11, 2026Closed$549,000
  • Sep 8, 2026Active Under Contract$549,000
  • Aug 14, 2026Price change$549,000−$10,000
  • Jul 18, 2026Price change$559,000−$8,000
  • Jun 11, 2026Listed$567,000

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 $287/sq ft; this home is listed at $271/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
258 Union Hill Drive, Ponte Vedra, FL 32081Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERSAug 2026$662,500$3124/22,121560.1
208 Pioneer Village Drive, Ponte Vedra, FL 32081Listed by LOKATIONOct 2026$599,900$2394/22,51410.2
453 Vista Lake Circle, Ponte Vedra, FL 32081Listed by KELLER WILLIAMS ST JOHNSSep 2026$505,000$2873/21,757370.3
308 Vista Lake Circle, Ponte Vedra, FL 32081Listed by SIGNATURE FIRST COAST REALTYAug 2026$610,000$2704/2.52,256100.3
513 Vista Lake Circle, Ponte Vedra, FL 32081Listed by PALM VALLEY REALTY PLLCAug 2026$495,000$3033/21,6311120.4
300 Shadow Ridge Trail, Ponte Vedra, FL 32081Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COASTSep 2026$624,250$2713/22,3054050.7

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$271
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage2,026
Acres0.20 acres
Year Built2021
TypeResidential
Sub-TypeSingle Family Residence
Property ConditionUpdated/Remodeled
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontNo
Direction FacesNorth

School Information

Community Information

Address128 Union Hill Drive, Ponte Vedra, FL 32081
Area272-Nocatee South
SubdivisionPioneer Village
CityPonte Vedra
CountySt. Johns
StateFL
Zip Code32081
Lot Size8,712 sq ft
Parcel Number0704921520
ZoningPUD

Amenities

AmenitiesPool, Basketball Court, Clubhouse, Dog Park, Fitness Center, Jogging Path, Park, Pickleball, Playground, Tennis Court(s)
Community FeaturesSidewalks, Street Lights, Curbs
UtilitiesCable Available, Electricity Connected, Natural Gas Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingGarage, Garage Door Opener

Interior

Interior FeaturesCeiling Fan(s), Kitchen Island, Open Floorplan, Pantry
AppliancesDishwasher, Disposal, Dryer, Electric Range, Gas Range, Gas Water Heater, Microwave, Tankless Water Heater, Water Softener Owned
HeatingCentral
CoolingCentral Air
# of Stories1
LevelsOne

Exterior

Patio / PorchCovered, Front Porch, Rear Porch, Screened
RoofShingle
ConstructionFiber Cement, Frame
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedJune 11, 2026
Days on Market135
HOA Fees$949 / Annually
HOA FrequencyAnnually
Tax Amount$8,204.48
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY

Sold by: KELLER WILLIAMS REALTY ATLANTIC PARTNERS (buyer's brokerage)

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 Pioneer Village

Pioneer Village is a neighborhood in Nocatee, FL (St. Johns County), ZIP 32081.

View all Pioneer Village homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Oct 9, 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