This home is in Crosswater Village, Ponte Vedra.

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Pending

Pending·76 days on market·Crosswater Village

258 Union Hill Drive

Ponte Vedra, FL 32081

$675,000$318/sqftEst. $3,593/moMLS# 2142918

Beds

Baths

2,121

Sq Ft

2020

Built

Garage

Pool

About this home

Crosswater Village

Experience elevated living in this stunning Riverside home, where designer influences blend seamlessly with upscale coastal elegance. This move-in-ready 4-bedroom, 2-bath residence is thoughtfully designed with refined finishes, gorgeous custom hardwood flooring and meticulous attention to detail, offering the perfect balance of sophistication and comfort. At the heart of the home, the gourmet kitchen impresses with custom cabinetry, quartz countertops, elegant marble accents, and a dedicated water filtration system at the sink. A spacious butler's pantry adds both style and functionality, making it ideal for entertaining and everyday convenience. The open-concept living spaces are bathed in natural light, creating an inviting atmosphere that flows effortlessly into the outdoor living area. Expansive three-way sliding doors opens to the private lanai, creating seamless indoor-outdoor living and revealing a tranquil setting designed for relaxation.

Cost to own

Mortgage calculator

Home Price

$675,000

Down Payment: 20%

$135,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$3,431

Principal & Interest: $3,431

Est. Taxes & Insurance: $858

Estimated Total Monthly

$4,289

*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$3,593

Property taxesest. at asking price, St. Johns County$898

HOAbilled annually$79

Estimated total, before insurance$4,570/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	$570,950	$403,068	—
2024	$565,747	$390,860	—
2023	$578,937	$377,874	—
2022	$454,352	$454,352	—
2021	$408,025	$357,525	—
2020	$80,000	$80,000	—

2025 property taxes (current owner): $8,131/yr

Estimated taxes if purchased at asking price: ~$10,800/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.

Hurricane evacuation zone D

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

Roof: Shingle — year not disclosed (home built 2020)

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

Solar potential: ~1,785 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 16, 2026Pending$675,000
May 1, 2026Listed$675,000

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

Features

Price$675,000

Price / Sq Ft$318

Bedrooms4

Bathrooms2.00

Full Baths2

Square Footage2,121

Acres0.16 acres

Year Built2020

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch

StatusPending

# of Garages3

Has PoolNo

Is WaterfrontYes

Community Information

Address258 Union Hill Drive, Ponte Vedra, FL 32081

Area272-Nocatee South

SubdivisionCrosswater Village

CityPonte Vedra

CountySt. Johns

StateFL

Zip Code32081

Lot Size6,969.6 sq ft

Parcel Number0704921410

ZoningResidential

Amenities

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

UtilitiesNatural Gas Available

SewerPublic Sewer

Water SourcePublic

ParkingGarage

ViewPond

Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Butler Pantry, Entrance Foyer, His and Hers Closets, Kitchen Island, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)

AppliancesConvection Oven, Dishwasher, Disposal, Double Oven, Gas Cooktop, Gas Water Heater, Ice Maker, Microwave, Refrigerator, Tankless Water Heater, Water Softener Owned

HeatingCentral

CoolingCentral Air

FlooringWood

FireplaceYes

# of Fireplaces2

Fireplace FeaturesGas

# of Stories1

LevelsOne

SecuritySecurity System Owned