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This home is in The Island at Twenty Mile, Ponte Vedra — a home near Allen D. Nease High School.

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Active

Active·27 days on market·The Island at Twenty Mile

635 Outlook Drive

Ponte Vedra, FL 32081

$1,220,000$312/sqftEst. $6,272/moMLS# 2140963

Beds

Baths

3,913

Sq Ft

2018

Built

Garage

Pool

About this home

The Island at Twenty Mile

Welcome to 635 Outlook Drive, a beautifully crafted home built in 2018, located in the highly sought-after community of Ponte Vedra Nocatee, Florida. This exceptional residence features a spacious three-car garage with ample room to accommodate a full-size truck, along with 5 generously sized bedrooms and 4 luxurious bathrooms. Designed with an open-concept layout, the home showcases soaring ceilings and an abundance of natural light throughout. NEW AC, Hand-painted murals add a distinctive artistic touch, while the gourmet kitchen impresses with quartz countertops, stainless steel appliances, and a large center island ideal for entertaining. Expansive floor-to-ceiling sliding glass doors seamlessly connect the living area to the patio, creating a true indoor-outdoor living experience. Additional highlights include a cozy fireplace, as well as convenient connections for two washers and two dryers. The primary suite serves as a private retreat, featuring his-and-hers walk-in closets

Cost to own

Mortgage calculator

Home Price

$1,220,000

Down Payment: 20%

$244,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$6,272

Principal & Interest: $6,272

Property taxes (est.): $1,623

Insurance (est.): $813

Estimated Total Monthly

$8,709

*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$6,272

Property taxesest. at asking price, St. Johns County$1,623

HOAbilled annually$39

Estimated total, before insurance$7,934/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$10,797/yr · $900/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).

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$1,008,200	$579,332	—
2024	$958,575	$562,297	—
2023	$994,752	$544,463	—
2022	$873,722	$527,149	—
2021	$611,524	$510,339	—
2020	$571,971	$502,603	—

2025 property taxes (current owner): $10,797/yr

Estimated taxes if purchased at asking price: ~$19,500/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.

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 2018)

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

Solar potential: ~1,786 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.

History

Price & status history

Aug 14, 2026Price change$1,220,000−$74,000
Jul 7, 2026Price change$1,294,000−$66,000
Apr 25, 2026Listed$1,360,000

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

Features

Price$1,220,000

Price / Sq Ft$312

Bedrooms5

Bathrooms4.00

Full Baths4

Square Footage3,913

Acres0.28 acres

Year Built2018

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch

Property ConditionUpdated/Remodeled

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontNo

Direction FacesEast

School Information

ElementaryPalm Valley Academy

HighAllen D. Nease

Community Information

Address635 Outlook Drive, Ponte Vedra, FL 32081

Area271-Nocatee North

SubdivisionTwenty Mile At Nocatee

CityPonte Vedra

CountySt. Johns

StateFL

Zip Code32081

Lot Size12,196.8 sq ft

Parcel Number0680614250

ZoningResidential

Amenities

AmenitiesPool, Basketball Court, Fitness Center, Jogging Path, Park, Playground, Tennis Court(s)

UtilitiesCable Available, Cable Connected, Electricity Available, Electricity Connected, Natural Gas Connected, Sewer Available, Sewer Connected, Water Available, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached

ViewTrees/Woods

Interior

Interior FeaturesBreakfast Bar, His and Hers Closets, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Tub with Shower, Primary Bathroom -Tub with Separate Shower, Smart Home, Smart Thermostat, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesConvection Oven, Disposal, Electric Oven, Electric Water Heater, Gas Cooktop, Gas Range, Microwave, Refrigerator, Tankless Water Heater

HeatingCentral, Electric

CoolingCentral Air, Split System

FlooringConcrete, Tile

FireplaceYes

Fireplace FeaturesElectric, Gas, Wood Burning

# of Stories2

LevelsMulti/Split, Two

LaundryElectric Dryer Hookup, Gas Dryer Hookup, Lower Level

SecurityCarbon Monoxide Detector(s), Fire Alarm, Smoke Detector(s)

Spa FeaturesHeated, Bath, Private