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

Pending

Pending·100 days on market·Coral Ridge

25 Sabal Creek Trail

Ponte Vedra, FL 32091

$1,904,417$388/sqftEst. $9,791/moMLS# 2146458

Beds

Baths

4,907

Sq Ft

2026

Built

Garage

Pool

About this home

Coral Ridge

Step into the Monica: 4 bedrooms, 4.5 baths, 4,907 sq ft of single-story elegance. Chef's kitchen with pantry, open living and dining, plus optional cabana and outdoor kitchen. Master suite with spa bath and walk-in closet. Game room and customizable spaces let you tailor this home to your lifestyle.

Cost to own

Mortgage calculator

Home Price

$1,904,417

Down Payment: 20%

$380,883

Interest Rate: 6.66%

Loan Term

Monthly Payment

$9,791

Principal & Interest: $9,791

Property taxes (est.): $2,534

Insurance (est.): $1,270

Estimated Total Monthly

$13,594

*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$9,791

Property taxesest. at asking price, St. Johns County$2,534

HOAbilled annually$125

Estimated total, before insurance$12,450/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.

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$250,000	$250,000	—
2024	$160,000	$160,000	—

Estimated taxes if purchased at asking price: ~$30,400/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.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — year not disclosed (home built 2026)

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

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

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.