Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in Greenleaf Lakes, Ponte Vedra — a home near Allen D. Nease High School.

1 / 49

Active Under Contract

Active Under Contract·113 days on market·Greenleaf Lakes

360 Citrus Ridge Drive

Ponte Vedra, FL 32081

$769,000$306/sqftEst. $3,953/moMLS# 2143815

Beds

Baths

2,516

Sq Ft

2015

Built

Garage

Yes

Pool

About this home

Greenleaf Lakes

Located in the highly desirable community of Nocatee in Ponte Vedra, 360 Citrus Ridge Dr offers the perfect combination of luxury, comfort, and functionality. This beautifully maintained home features 4 spacious bedrooms plus a dedicated office, ideal for working from home or flexible living space. The open-concept floor plan is filled with natural light and designed for both everyday living and entertaining. The chef's kitchen flows seamlessly into the main living and dining areas, creating an inviting atmosphere throughout. Step outside to your private backyard oasis featuring a sparkling pool, low-maintenance turf backyard, and plenty of room to relax or entertain year-round. The 3-car garage provides ample storage for vehicles, golf carts, and recreational gear. Conveniently located near top-rated schools, shopping, dining, golf, and Nocatee's resort-style amenities, this home delivers the best of Northeast Florida living.

Cost to own

Mortgage calculator

Home Price

$769,000

Down Payment: 20%

$153,800

Interest Rate: 6.66%

Loan Term

Monthly Payment

$3,953

Principal & Interest: $3,953

Property taxes (est.): $1,023

Insurance (est.): $513

Estimated Total Monthly

$5,489

*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$3,953

Property taxesest. at asking price, St. Johns County$1,023

HOAbilled annually$42

Estimated total, before insurance$5,018/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: $765,000 in August 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$626,127	$575,405	—
2024	$637,060	$587,060	—
2023	$631,812	$341,646	—
2022	$531,517	$330,239	—
2021	$380,134	$287,883	—
2020	$342,610	$283,218	—

Estimated taxes if purchased at asking price: ~$12,300/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 2015)

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

Solar potential: ~1,790 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