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

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Sold

Sold·Closed Jul 17, 2026·27 days on market·Recent sales in Tidewater·Tidewater

45 Falling Water Court

Ponte Vedra, FL 32081

$470,000sold priceListed at $489,000 · 96.1% of asking$222/sqftMLS# 2146900
4
Beds
3.5
Baths
2,117
Sq Ft
2018
Built
2
Garage
No
Pool

18 more homes for sale in Tidewater →Search Tidewater on the map

FEMA Zone XHOA $499/moWaterfrontCondominium3 stories

About this home

Tidewater

Welcome to life in the sought after Tidewater community of Nocatee in beautiful Ponte Vedra, FL. This inviting tri-level condominium offers 4 spacious bedrooms, 3.5 bathrooms, and a 2 car garage, blending comfort & convenience in one exceptional home. Only a short ten minute walk/golfcart ride to Nocatee's famous amenities. Thoughtfully maintained and truly move in ready, the interior feels warm and welcoming with light filled living spaces. Enjoy peaceful mornings or relaxing evenings on the rear balcony overlooking the tranquil lake, creating the perfect backdrop for coastal living. The versatile layout provides space for guests, a home office, or multi generational living while still feeling cozy. Located in desirable St. Johns County and zoned for Pine Island Academy, this home places you near parks, trails, shopping, dining, & all the lifestyle amenities that make Nocatee one of Northeast Florida's most desirable communities. Discover the comfort of Tidewater living today!

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$2,603
Property taxesest. at asking price, St. Johns County$625
HOAbilled monthly$499
Estimated total, before insurance$3,728/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$7,839/yr · $653/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

$470,000
$94,000
Loan Term
Monthly Payment
$2,603
Principal & Interest: $2,603
Property taxes (est.): $625
Insurance (est.): $313
Estimated Total Monthly
$3,542
*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.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: Shingle — year not disclosed (home built 2018)

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

Sewer & public water · JEA

County records show this parcel on central sewer served by JEA — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,757 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$430,360$414,340—
2024$442,020$376,673—
2023$453,468$342,430—
2022$342,000$311,300—
2021$283,000$283,000—
2020$283,000$283,000—

2025 property taxes (current owner): $7,839/yr

Estimated taxes if purchased at asking price: ~$7,500/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

  • Jul 17, 2026Closed$489,000
  • May 24, 2026Listed$489,000

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 $210/sq ft; this home is listed at $231/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
115 Tidecrest Parkway 3410, Ponte Vedra, FL 32081Listed by PONTE VEDRA CLUB REALTY, INC.Aug 2026$300,000$1973/21,523630.1
107 Spring Tide Way, Ponte Vedra, FL 32081Listed by ALL SOLUTIONS REAL ESTATE, LLCMay 2026$445,000$2103/3.52,117180.1
94 Magnolia Creek Walk, Ponte Vedra, FL 32081Listed by MOMENTUM REALTYAug 2026$435,000$2153/2.52,027370.7
75 Myrtle Park Point, Ponte Vedra, FL 32081Listed by BETTER HOMES & GARDENS REAL ESTATE LIFESTYLES REALTYJun 2026$495,000$2004/3.52,4801330.7
29 Myrtle Park Point, Ponte Vedra, FL 32081Listed by KELLER WILLIAMS ST JOHNSJun 2026$435,000$2063/2.52,107190.7
50 Skycrest Drive, Ponte Vedra, FL 32081Listed by JACKSONVILLE TBI REALTY, LLCApr 2025$695,000$3223/32,161530.7

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$489,000
Price / Sq Ft$231
Bedrooms4
Bathrooms3.50
Full Baths3
Half Baths1
Square Footage2,117
Year Built2018
TypeResidential
Sub-TypeCondominium
StyleOther
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontYes
Gated CommunityYes

School Information

Community Information

Address45 Falling Water Court, Ponte Vedra, FL 32081
Area272-Nocatee South
SubdivisionTidewater
CityPonte Vedra
CountySt. Johns
StateFL
Zip Code32081
Parcel Number0702702204

Amenities

AmenitiesPool, Children's Pool, Clubhouse, Dog Park, Fitness Center, Gated, Park, Pickleball, Playground, Tennis Court(s)
Community FeaturesSidewalks, Gated, Curbs
UtilitiesCable Available, Electricity Available, Sewer Available, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingGarage, Gated, Parking Lot, Secured
ViewPond
Waterfront TypePond

Interior

Interior FeaturesCeiling Fan(s), Eat-in Kitchen, Entrance Foyer, Kitchen Island, Primary Bathroom - Shower No Tub, Split Bedrooms
AppliancesConvection Oven, Dishwasher, Disposal, Electric Cooktop, Microwave, Refrigerator
HeatingCentral
CoolingCentral Air, Zoned
FlooringCarpet, Tile
# of Stories3
LevelsMulti/Split, Three Or More
LaundryIn Unit, Upper Level
SecurityFire Sprinkler System, Security Gate

Exterior

Exterior FeaturesBalcony
Patio / PorchFront Porch, Patio, Rear Porch
RoofShingle
ConstructionFiber Cement, Frame
Road SurfaceAsphalt

Additional Information

Date ListedMay 24, 2026
Days on Market27
HOA Fees$499 / Monthly
HOA FrequencyMonthly
HOA NameSovereign & Jacobs
HOA Fee IncludesMaintenance Grounds
Tax Amount$7,839.28
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK 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 Tidewater

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

View all Tidewater homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Jul 17, 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