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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in The Island at Twenty Mile, Ponte Vedra — a home near Allen D. Nease High School.

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Sold

Sold·Closed Oct 15, 2026·93 days on market·Recent sales in The Island at Twenty Mile·The Island at Twenty Mile

117 Cross Branch Drive

Ponte Vedra, FL 32081

$1,470,000sold priceListed at $1,599,000 · 91.9% of asking$350/sqftMLS# 2145691
5
Beds
4.5
Baths
4,201
Sq Ft
2017
Built
3
Garage
Yes
Pool

2 more homes for sale in The Island at Twenty Mile →Search The Island at Twenty Mile on the map

FEMA Zone XHOA $92/mo12,197 sqft lotSingle Family Residence2 stories

About this home

The Island at Twenty Mile

Fast-track 10 minutes to the beach from this 4201-sf, 5-bed, 4.5-bath David Weekley pool home in Twenty Mile's The Ranch, one of Nocatee's most sought-after neighborhoods! Situated on an 82' fenced preserve lot, this executive home w/3-car garage blends luxury, comfort and location. Great outdoor living with the screened, heated, saltwater pool & spa, summer kitchen and covered lanai. Relaxed indoor living with so much space, soaring ceilings, hardwood floors, plantation shutters, electric fireplace w/mounted TV & 4-panel sliders. It's a chef's dream kitchen with floor-to-ceiling cabinetry, Quartz counters, upgraded appliances & large island. Enjoy easy living on the 1st floor with private office, primary suite + full guest suite. Upstairs, even more space with 3 beds/2 baths, 2 baths, huge loft & private media room. Extra features include pavers, garage epoxy flooring, new gas pool heater, custom molding & RO system. All this + Nocatee's great amenities + top-rated SJC schools = WOW!

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$8,142
Property taxesest. at asking price, St. Johns County$1,956
HOAbilled annually$92
Estimated total, before insurance$10,190/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$20,232/yr · $1,686/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 (that applies to the reference bill above too).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$1,470,000
$294,000
Loan Term
Monthly Payment
$8,142
Principal & Interest: $8,142
Property taxes (est.): $1,956
Insurance (est.): $980
Estimated Total Monthly
$11,078
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-15, 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.

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 2017)

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

Solar potential: ~1,768 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.

Sun & Light

West-facing backyard — the sunset lot

The listing reports the home facing east, which puts the backyard and pool on the west side. Today at this address: sunrise 7:28 AM, sunset 6:54 PM.

  • A pool back here is the warmest in town and glitters in the evening; expect afternoon glare on west-facing glass and real value in lanai screening or shade trees.
  • Sunsets happen over your own backyard — and in summer the rear takes the full afternoon sun, so the lanai runs hottest of any orientation from about 3pm on.
  • Morning coffee happens in shade; the front of the home takes the sunrise.

Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.

Cost to own

Taxes & assessment

Last sold: $1,495,000 in November 2022(county public record, not MLS data)

YearMarket valueTaxable valueChange
2025$1,346,253$1,279,812—
2024$1,293,036$1,243,036—
2023$1,304,676$1,304,676—
2022$1,229,878$788,023—
2021$813,615$763,615—
2020$748,579$666,325—

2025 property taxes (current owner): $20,232/yr

Estimated taxes if purchased at asking price: ~$23,500/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.

History

Price & status history

  • Oct 15, 2026Closed$1,599,000
  • Sep 29, 2026Pending$1,599,000
  • Aug 29, 2026Active Under Contract$1,599,000
  • Aug 14, 2026Price change$1,599,000−$76,000
  • May 28, 2026Listed$1,675,000

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

Closed sales

What sold nearby

Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $380/sq ft; this home is listed at $381/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
57 Bent Trail, Ponte Vedra, FL 32081Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTYJun 2026$1,570,200$3055/5.55,145740.1
187 Skywood Trail, Ponte Vedra, FL 32081Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERSJul 2026$1,065,000$3385/43,152290.5
177 Timbercreek Drive, Ponte Vedra, FL 32081Listed by COMPASS FLORIDA LLCAug 2026$1,400,000$3805/5.53,68240.6
566 Parkbluff Circle, Ponte Vedra, FL 32081Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERSJul 2026$965,000$3274/3.52,955680.7
263 Spanish Creek Drive, Ponte Vedra, FL 32081Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COASTJul 2026$1,450,000$3875/4.53,750290.8
146 Whistling Palm Court, Ponte Vedra, FL 32081Listed by PONTE VEDRA CLUB REALTY, INC.Sep 2026$2,260,000$5854/5.53,860260.9

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

Features

Price$1,599,000
Price / Sq Ft$381
Bedrooms5
Bathrooms4.50
Full Baths4
Half Baths1
Square Footage4,201
Acres0.28 acres
Year Built2017
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
StatusClosed
# of Garages3
Has PoolYes
Pool FeaturesIn Ground, Fenced, Gas Heat, Heated, Salt Water, Screen Enclosure
Is WaterfrontNo
Direction FacesEast

School Information

Community Information

Address117 Cross Branch Drive, Ponte Vedra, FL 32081
Area271-Nocatee North
SubdivisionThe Ranch At Twenty Mile
CityPonte Vedra
CountySt. Johns
StateFL
Zip Code32081
Lot Size12,196.8 sq ft
Lot Dimensions154 x 82
Parcel Number0680620180
ZoningSingle Family

Amenities

AmenitiesPool, Basketball Court, Clubhouse, Dog Park, Fitness Center, Jogging Path, Maintenance Grounds, Management - Developer, Management - Off Site, Park, Pickleball, Playground
Community FeaturesSidewalks, Suburban, Street Lights, Curbs
UtilitiesCable Connected, Electricity Connected, Natural Gas Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage, Garage Door Opener
ViewProtected Preserve

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Entrance Foyer, Guest Suite, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Primary Downstairs, Smart Thermostat, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Double Oven, Dryer, Gas Cooktop, Gas Water Heater, Microwave, Refrigerator, Tankless Water Heater, Washer, Water Softener Owned
HeatingCentral, Electric, Heat Pump
CoolingCentral Air, Electric, Zoned
FlooringCarpet, Tile, Wood
FireplaceYes
# of Fireplaces1
Fireplace FeaturesElectric
# of Stories2
LevelsTwo
LaundryLower Level
SecuritySecurity System Owned
Spa FeaturesIn Ground, Heated

Exterior

Exterior FeaturesOutdoor Kitchen
Lot DescriptionSprinklers In Front, Sprinklers In Rear
Patio / PorchCovered, Front Porch, Patio, Screened
FencingOther, Back Yard
RoofShingle
ConstructionOther, Fiber Cement, Frame
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedMay 28, 2026
Days on Market93
HOA Fees$1,100 / Annually
HOA FrequencyAnnually
HOA NameTwenty Mile East
HOA Fee IncludesMaintenance Grounds
Tax Amount$20,231.93
Tax Year2025
Listing TermsCash, Conventional
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST

Sold by: WATSON REALTY CORP (buyer's brokerage)

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

The neighborhood

About The Island at Twenty Mile

The Island at Twenty Mile is a neighborhood in Nocatee, FL (St. Johns County), ZIP 32081.

View all The Island at Twenty Mile homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Oct 15, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.

Text Krista about this saleHomes for sale nearby →

20+ years · 500+ closings · NE Florida

Curious what nearby homes sold for?

MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

Northeast Florida living

Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines