This home is in Settlers Landing, Ponte Vedra.

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Active

Active·45 days on market·Settlers Landing

86 Spinner Drive

Ponte Vedra, FL 32081

$639,000$301/sqftEst. $3,248/moMLS# 2148379

Beds

Baths

2,124

Sq Ft

2022

Built

Garage

Pool

About this home

Settlers Landing

Welcome home to Settler's Landing, where thoughtful upgrades, beautiful outdoor living, and a peaceful preserve backdrop come together to create a home you'll never want to leave. This beautifully maintained 4 bedroom, 3 bathroom home offers over 2,100 square feet of comfortable living space designed for both everyday life and entertaining. From the moment you step inside, you'll notice the attention to detail, from the plantation shutters to the smart lighting system with dimmers throughout. The heart of the home is the stunning Gourmet Kitchen, featuring granite countertops, white full-overlay cabinetry, stainless farmhouse sink, two-tone kitchen island, stainless exhaust hood with fan and lighting over the cooktop, gas range, decorative backsplash, under-cabinet lighting, reverse osmosis water filtration system, and a large walk-in pantry. The open layout flows seamlessly

Cost to own

Mortgage calculator

Home Price

$639,000

Down Payment: 20%

$127,800

Interest Rate: 6.55%

Loan Term

Monthly Payment

$3,248

Principal & Interest: $3,248

Est. Taxes & Insurance: $812

Estimated Total Monthly

$4,060

*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 · 6.55% · 30yr$3,248

Property taxesest. at asking price, St. Johns County$850

HOAbilled annually$58

Estimated total, before insurance$4,157/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

Last sold: $570,700 in March 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$597,040	$546,318	—
2024	$590,708	$540,708	—
2023	$563,115	$563,115	—
2022	$112,000	$112,000	▼ $39,200
2021	$30,000	$30,000	—

2025 property taxes (current owner): $9,882/yr

Estimated taxes if purchased at asking price: ~$10,200/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.

Outside all hurricane evacuation zones

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

Roof: Shingle — year not disclosed (home built 2022)

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

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

Jun 4, 2026Listed$639,000

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

Features

Price$639,000

Price / Sq Ft$301

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,124

Total Structure Area2,960 sq ft

Acres0.14 acres

Year Built2022

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Direction FacesNorthwest

School Information

ElementaryPine Island Academy

MiddlePine Island Academy

HighAllen D. Nease

Community Information

Address86 Spinner Drive, Ponte Vedra, FL 32081

Area272-Nocatee South

SubdivisionSettlers Landing

CityPonte Vedra

CountySt. Johns

StateFL

Zip Code32081

Lot Size6,098.4 sq ft

Parcel Number0704951870

ZoningResidential

Amenities

AmenitiesOther, Boat Dock, Boat Slip, Dog Park, Jogging Path, Management - Off Site, Water

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPrivate Sewer

Water SourcePublic

ParkingAttached, Electric Vehicle Charging Station(s), Garage, Garage Door Opener

ViewProtected Preserve, Trees/Woods

Interior

Interior FeaturesBreakfast Bar, Butler Pantry, Ceiling Fan(s), Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Primary Downstairs, Smart Thermostat, Walk-In Closet(s)

AppliancesOther, Convection Oven, Dishwasher, Disposal, Electric Oven, ENERGY STAR Qualified Dishwasher, ENERGY STAR Qualified Refrigerator, ENERGY STAR Qualified Water Heater, Freezer, Gas Cooktop, Gas Water Heater, Ice Maker, Microwave, Plumbed For Ice Maker, Refrigerator, Tankless Water Heater, Water Softener Owned

HeatingElectric, Heat Pump, Zoned

CoolingCentral Air, Electric, Zoned

FlooringCarpet, Laminate

# of Stories1

LevelsOne and One Half

LaundryElectric Dryer Hookup, In Unit, Lower Level, Sink, Washer Hookup

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