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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 Crosswater Village, Ponte Vedra.

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Sold

Sold·Closed Aug 12, 2026·47 days on market·Recent sales in Crosswater Village·Crosswater Village

127 Union Hill Drive

Ponte Vedra, FL 32081

$780,000sold priceListed at $819,900 · 95.1% of asking$295/sqftMLS# 2146326
5
Beds
3.5
Baths
2,648
Sq Ft
2020
Built
2
Garage
No
Pool

6 more homes for sale in Crosswater Village →Search Crosswater Village on the map

FEMA Zone XHOA $79/mo11,326 sqft lotSingle Family Residence2 stories

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

True monthly cost

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

Principal & interest20% down · 7.4% · 30yr$4,320
Property taxesest. at asking price, St. Johns County$1,038
HOAbilled annually$79
Estimated total, before insurance$5,437/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$7,675/yr · $640/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

$780,000
$156,000
Loan Term
Monthly Payment
$4,320
Principal & Interest: $4,320
Property taxes (est.): $1,038
Insurance (est.): $520
Estimated Total Monthly
$5,878
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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 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

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.

Cost to own

Taxes & assessment

YearMarket valueTaxable valueChange
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: ~$12,500/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

  • Aug 13, 2026Closed$819,900
  • May 21, 2026Listed$819,900

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 $291/sq ft; this home is listed at $310/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
308 Vista Lake Circle, Ponte Vedra, FL 32081Listed by SIGNATURE FIRST COAST REALTYAug 2026$610,000$2704/2.52,256100.3
293 Sweet Pine Trail, Ponte Vedra, FL 32081Listed by JPAR CITY AND BEACHSep 2026$572,500$2912/21,96480.7
152 Constitution Drive, Ponte Vedra, FL 32081Listed by REAL BROKER LLCOct 2026$685,000$2974/22,30540.8
300 Shadow Ridge Trail, Ponte Vedra, FL 32081Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COASTSep 2026$624,250$2713/22,3054050.8
379 Cape May Avenue, Ponte Vedra, FL 32081Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTYSep 2026$1,075,000$3144/3.53,425810.9
510 Portsmouth Bay Avenue, Ponte Vedra, FL 32081Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERSSep 2026$750,000$2583/3.52,9121371.1

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$819,900
Price / Sq Ft$310
Bedrooms5
Bathrooms3.50
Full Baths3
Half Baths1
Square Footage2,648
Acres0.26 acres
Year Built2020
TypeResidential
Sub-TypeSingle Family Residence
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontNo

Community Information

Address127 Union Hill Drive, Ponte Vedra, FL 32081
Area272-Nocatee South
SubdivisionCrosswater Village
CityPonte Vedra
CountySt. Johns
StateFL
Zip Code32081
Lot Size11,325.6 sq ft
Parcel Number0704920970

Amenities

AmenitiesPool, Basketball Court, Playground
UtilitiesElectricity Connected, Sewer Connected, Water Connected
Water SourcePublic
ParkingGarage
ViewTrees/Woods

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Entrance Foyer, Pantry, Primary Bathroom - Shower No Tub, Primary Downstairs
AppliancesGas Cooktop, Gas Oven, Microwave, Refrigerator, Tankless Water Heater, Water Softener Owned
HeatingCentral
CoolingCentral Air
# of Stories2
LevelsTwo

Exterior

Patio / PorchCovered, Patio, Screened
RoofShingle

Additional Information

Date ListedMay 21, 2026
Days on Market47
HOA Fees$949 / Annually
HOA FrequencyAnnually
Tax Amount$7,674.59
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: BETTER HOMES & GARDENS REAL ESTATE LIFESTYLES REALTY

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 Crosswater Village

Crosswater Village is a neighborhood in Nocatee, FL (St. Johns County), ZIP 32081.

View all Crosswater Village homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Aug 12, 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