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 Reflections, Ponte Vedra — a home near Allen D. Nease High School.

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Active

Active·103 days on market·Reflections

433 Reflections Avenue

Ponte Vedra, FL 32081

$749,990$312/sqftEst. $3,856/moMLS# 2146111

Beds

Baths

2,400

Sq Ft

2026

Built

Garage

Pool

About this home

Reflections

Welcome to 433 Reflections Avenue, a beautifully designed new construction home located in the highly sought-after community of Reflections at Nocatee. This stunning Seahorse floor plan offers 3 bedrooms, 2.5 baths, a spacious retreat, and a light-filled sunroom, thoughtfully designed for both everyday living and entertaining. Situated on one of the final opportunities available in Reflections, this exceptional home is tucked away within a quiet cul-de-sac and backs to a peaceful preserve, creating a private and serene setting. The oversized 2-car garage and upstairs walk-out attic storage room provide the extra space today's homeowners are looking for. The heart of the home is truly a chef's dream kitchen, featuring high-end appliances, double-stacked cabinetry extending to the ceiling, abundant countertop space, and designer finishes throughout.

Cost to own

Mortgage calculator

Home Price

$749,990

Down Payment: 20%

$149,998

Interest Rate: 6.66%

Loan Term

Monthly Payment

$3,856

Principal & Interest: $3,856

Property taxes (est.): $998

Insurance (est.): $500

Estimated Total Monthly

$5,354

*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$3,856

Property taxesest. at asking price, St. Johns County$998

HOAbilled annually$70

Estimated total, before insurance$4,924/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.

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 2026)

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

Solar potential: ~1,567 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

Price & status history

Aug 27, 2026Price change$749,990−$3,110
Aug 14, 2026Price change$753,100−$26,372
May 19, 2026Listed$779,472

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

Features

Price$749,990

Price / Sq Ft$312

Bedrooms3

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage2,400

Year Built2026

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionTo Be Built

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

New ConstructionYes

School Information

ElementarySabal Crest Academy

MiddleSabal Crest Academy

HighAllen D. Nease

Community Information

Address433 Reflections Avenue, Ponte Vedra, FL 32081

Area272-Nocatee South

SubdivisionReflections

CityPonte Vedra

CountySt. Johns

StateFL

Zip Code32081

Parcel Number00000000

Amenities

AmenitiesPool, Basketball Court, Car Wash Area, Children's Pool, Dog Park, Fitness Center, Jogging Path, Park, Pickleball, Playground, Tennis Court(s)

UtilitiesCable Available, Electricity Connected, Natural Gas Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

Green / EnergyAppliances, HVAC, Insulation, Lighting, Thermostat, Water Heater, Windows

ParkingGarage, Garage Door Opener

Interior

Interior FeaturesEat-in Kitchen, Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Electric Oven, Gas Cooktop, Microwave, Tankless Water Heater

HeatingElectric, Heat Pump, Zoned

CoolingCentral Air, Electric, Zoned

FlooringCarpet, Tile, Vinyl

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, Gas Dryer Hookup, Lower Level, Sink, Washer Hookup

SecurityCarbon Monoxide Detector(s), Smoke Detector(s)