This home is in Settlers Landing, Ponte Vedra.

1 / 96

Active

Active·79 days on market·Settlers Landing

160 Spinner Drive

Ponte Vedra, FL 32081

$645,000$288/sqftEst. $3,433/moMLS# 2142084

Beds

Baths

2,237

Sq Ft

2022

Built

Garage

Pool

About this home

Settlers Landing

Escape to Nocatee in this dreamy home where effortless luxury meets laid-back coastal living. Located in the neighborhood of Settlers Landing, this gem is nestled in the back near the children's park and fishing pond. Step inside to discover the Hernando floor plan built by Providence Homes with a light-filled space and soaring ceilings. This beautifully designed home blends timeless architecture with modern upgrades featuring granite countertops, wood-look tile floors, soft-close cabinets in the kitchen, gourmet kitchen cooktop, stainless-steel appliances, a spacious island perfect for gathering, custom cabinetry in the laundry room, water-softener, driveway pavers, screened-in patio, plumbed for outdoor kitchen, top-rated schools, golf cart/biking path to Pine Island Academy, and much more!

Cost to own

Mortgage calculator

Home Price

$645,000

Down Payment: 20%

$129,000

Interest Rate: 6.49%

Loan Term

Monthly Payment

$3,258

Principal & Interest: $3,258

Est. Taxes & Insurance: $815

Estimated Total Monthly

$4,073

*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$3,433

Property taxesest. at asking price, St. Johns County$858

HOAbilled monthly$58

Estimated total, before insurance$4,349/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

Last sold: $625,500 in November 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$557,638	$416,586	—
2024	$551,668	$404,138	—
2023	$525,056	$390,911	—
2022	$112,000	$112,000	▼ $39,200
2021	$30,000	$30,000	—

2025 property taxes (current owner): $8,135/yr

Estimated taxes if purchased at asking price: ~$10,300/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 2022)

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

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