This home is in Siena at Town Center, Ponte Vedra.

1 / 75

Pending

Pending·45 days on market·Siena at Town Center

596 Town Plaza Avenue

Ponte Vedra, FL 32081

$525,000$300/sqftEst. $2,794/moMLS# 2144794

Beds

Baths

1,750

Sq Ft

2015

Built

Garage

Pool

About this home

Siena at Town Center

LIVE THE NOCATEE LIFESTYLE! Enjoy low-maintenance living and world-class amenities in one of Northeast Florida's most sought-after master-planned communities. This beautiful 4-bedroom, 2-bath home offers the perfect blend of comfort, convenience, and lifestyle. Light, bright, and move-in ready, this one-story home features fresh interior paint, newer carpet in all bedrooms, tile flooring throughout the main living areas, and an open-concept floor plan designed for everyday living and entertaining. The spacious kitchen includes a breakfast bar, dining area, new refrigerator, and seamless flow into the family room. A versatile flex space can easily serve as a home office, playroom, second living area, or potential 4th bedroom. Enjoy relaxing mornings and peaceful evenings on the screened lanai, plus the convenience of a rear-entry two-car garage and maintenance-free lawn care.

Cost to own

Mortgage calculator

Home Price

$525,000

Down Payment: 20%

$105,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$2,669

Principal & Interest: $2,669

Est. Taxes & Insurance: $667

Estimated Total Monthly

$3,336

*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$2,794

Property taxesest. at asking price, St. Johns County$699

HOAbilled annually$43

Estimated total, before insurance$3,536/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: $165,100 in January 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$451,398	$451,398	—
2024	$437,159	$437,159	—
2023	$460,897	$460,897	—
2022	$395,491	$309,916	—
2021	$281,742	$281,742	—
2020	$281,742	$231,742	—

2025 property taxes (current owner): $8,238/yr

Estimated taxes if purchased at asking price: ~$8,400/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 2015)

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

Solar potential: ~1,751 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