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This home is in Settlers Landing, Ponte Vedra.

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Active·120 days on market·Settlers Landing

434 Settlers Landing Drive

Ponte Vedra, FL 32081

$729,000$313/sqftEst. $3,748/moMLS# 2142849

Beds

Baths

2,326

Sq Ft

2022

Built

Garage

Pool

About this home

Settlers Landing

MAJOR PRICE REDUCTION! Enjoy the Nocatee Lifestyle with this Providence home in Settlers Landing! The Fanning model offers 4 bedrooms, 3 bathrooms, and 2,326 square feet of living space. Highlights include a spacious family room, a loft, a gourmet kitchen with a café area, a 12x8 sliding glass door, and a covered patio overlooking a preserve lot. Notable upgrades feature a paver driveway, wood flooring in the main living areas, ceramic tile in the bathrooms and laundry room, a laundry area with built-in cabinets, 42'' upper kitchen cabinets, and quartz countertops. There's also an outdoor EV charging station.

Cost to own

Mortgage calculator

Home Price

$729,000

Down Payment: 20%

$145,800

Interest Rate: 6.66%

Loan Term

Monthly Payment

$3,748

Principal & Interest: $3,748

Property taxes (est.): $970

Insurance (est.): $486

Estimated Total Monthly

$5,204

*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$3,748

Property taxesest. at asking price, St. Johns County$970

HOAbilled annually$58

Estimated total, before insurance$4,776/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.

Cost to own

Taxes & assessment

Last sold: $750,200 in June 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$588,242	$536,827	—
2024	$581,830	$520,990	—
2023	$554,359	$504,359	—
2022	$112,000	$112,000	▼ $39,200
2021	$70,000	$70,000	—

Estimated taxes if purchased at asking price: ~$11,600/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 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

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