This home is in Crosswater Village, Ponte Vedra.

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Active Under Contract

Active Under Contract·56 days on market·Crosswater Village

127 Union Hill Drive

Ponte Vedra, FL 32081

$819,900$310/sqftEst. $4,364/moMLS# 2146326

Beds

Baths

2,648

Sq Ft

2020

Built

Garage

Pool

About this home

Crosswater Village

Welcome to your dream home in the Crosswater Village community of Nocatee! This beautifully upgraded 5-bedroom, 3.5-bath residence offers the perfect blend of style, comfort, and functionality, and all within walking distance to the Crosswater pool, dog park and playground. The heart of the home is a stunning chef's kitchen featuring added upper cabinetry for extra storage, elegant cabinet hardware, vent hood over the gas cooktop, an upgraded Thermador gas range, granite sink, and a redesigned island with additional cabinets and a gorgeous quartz countertop. New pendant lighting adds the perfect finishing touch. Throughout the home, thoughtful upgrades continue with wood stairs, vinyl plantation shutters, and water softener. Step outside to enjoy the extended paver patio and screened-in porch overlooking one of the largest yards in Crosswater, with plenty of space to add a private pool.

Cost to own

Mortgage calculator

Home Price

$819,900

Down Payment: 20%

$163,980

Interest Rate: 6.55%

Loan Term

Monthly Payment

$4,167

Principal & Interest: $4,167

Est. Taxes & Insurance: $1,042

Estimated Total Monthly

$5,209

*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$4,364

Property taxesest. at asking price, St. Johns County$1,091

HOAbilled annually$79

Estimated total, before insurance$5,534/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	$604,067	$369,147	—
2024	$598,669	$358,036	—
2023	$612,804	$346,151	—
2022	$479,384	$334,613	—
2021	$398,733	$314,801	—
2020	$80,000	$80,000	—

2025 property taxes (current owner): $7,675/yr

Estimated taxes if purchased at asking price: ~$13,100/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: ~1,762 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