This home is in Del Webb Nocatee, Ponte Vedra.

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Pending

Pending·52 days on market·Del Webb Nocatee

107 Oyster Shell Terrace

Ponte Vedra, FL 32081

$489,000$319/sqftEst. $2,493/moMLS# 2148870

Beds

Baths

1,534

Sq Ft

2024

Built

Garage

Pool

About this home

Del Webb Nocatee

THIS EXCEPTIONAL VILLA HAS BEEN COMPLETELY UPDATED WITH THE FINEST FINISHES AND BOASTS A RARE PRIVATE LANAI WITH BEAUTIFUL PRESERVE VIEWS! FROM THE MOMENT YOU ARRIVE, YOU WILL APPRECIATE THE BEAUTIFUL PAVER DRIVEWAY, ELEGANT GLASS FRENCH DOORS AND WARM PAINT COLORS. INSIDE, THE HOME SHOWCASES LUXURY VINYL PLANK FLOORING THROUGHOUT, PLANTATION SHUTTERS, UPDATED LIGHTING AND GARBAGE DISPOSAL. THE DRAMATIC ELECTRIC FIREPLACE FEATURE WALL, COMPLETE WITH DECORATIVE SHELVING AND ACCENT LIGHTING, CREATES A STUNNING FOCAL POINT IN THE LIVING AREA. STEP OUTSIDE TO THE EXTENDED, COVERED LANAI WITH SEAMLESS SCREENING AND UNIQUE PRIVACY WALL PROVIDING A PEACEFUL AND SERENE SETTING FOR RELAXATION AND ENTERTAINING. THE ELEGANT OWNERS SUITE FEATURES WALK IN SHOWER WITH GLASS SHOWER DOORS AND CUSTOM BUILT IN CLOSET SYSTEM. ADDITIONAL UPGRADES INCLUDE EPOXY FLOORING IN GARAGE, UPPER STORAGE RACKS, REVERSE OSMOSIS WATER FILTRATION SYSTEM AND WATER SOFTENER. A PERFECT 10!

Cost to own

Mortgage calculator

Home Price

$489,000

Down Payment: 20%

$97,800

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,493

Principal & Interest: $2,493

Property taxes (est.): $651

Insurance (est.): $326

Estimated Total Monthly

$3,470

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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 · 6.58% · 30yr$2,493

Property taxesest. at asking price, St. Johns County$651

HOAbilled monthly$564

Estimated total, before insurance$3,708/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$6,021/yr · $502/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).

Cost to own

Taxes & assessment

Last sold: $21,477,000 in August 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$425,926	$255,178	—
2024	$100,000	$100,000	—
2023	$100,000	$100,000	—

2025 property taxes (current owner): $6,021/yr

Estimated taxes if purchased at asking price: ~$7,800/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 2024)

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.

Features

Price$489,000

Price / Sq Ft$319

Bedrooms2

Bathrooms2.00

Full Baths2

Square Footage1,534

Acres0.11 acres

Year Built2024

TypeResidential

Sub-TypeSingle Family Residence

StyleVilla

Property ConditionUpdated/Remodeled

StatusPending

# of Garages2

Has PoolNo

Is WaterfrontNo

Gated CommunityYes

55+ CommunityYes

Community Information

Address107 Oyster Shell Terrace, Ponte Vedra, FL 32081

Area272-Nocatee South

SubdivisionDel Webb Nocatee

CityPonte Vedra

CountySt. Johns

StateFL

Zip Code32081

Lot Size4,791.6 sq ft

Parcel Number0721111470

ZoningResidential

Amenities

AmenitiesPool, Clubhouse, Fitness Center, Gated, Maintenance Grounds, Pickleball

UtilitiesCable Available, Cable Connected, Electricity Connected, Natural Gas Available, Natural Gas Connected, Sewer Connected, Water Available, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Garage Door Opener

ViewProtected Preserve

Interior

Interior FeaturesBuilt-in Features, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Kitchen Island, Pantry, Primary Bathroom - Shower No Tub, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Cooktop, Electric Oven, Gas Water Heater, Microwave, Refrigerator, Tankless Water Heater, Washer, Washer/Dryer Stacked, Water Softener Owned

HeatingCentral, Natural Gas

CoolingCentral Air

FlooringTile

FireplaceYes

# of Fireplaces1

Fireplace FeaturesElectric

# of Stories1

LaundryGas Dryer Hookup, Washer Hookup

Security24 Hour Security, Carbon Monoxide Detector(s), Gated with Guard