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

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Sold

Sold·Closed Jul 16, 2026·11 days on market·Recent sales in Settlers Landing·Settlers Landing

166 Rainbow Trout Lane

Ponte Vedra, FL 32081

$555,000sold priceListed at $569,000 · 97.5% of asking$312/sqftMLS# 2149514
4
Beds
2
Baths
1,779
Sq Ft
2022
Built
2
Garage
No
Pool

8 more homes for sale in Settlers Landing →Search Settlers Landing on the map

FEMA Zone XHOA $58/mo6,970 sqft lotSingle Family Residence1 story

About this home

Settlers Landing

WELCOME HOME!! This ''like new'' 4 bdrm/2 ba home is located on ''rare to find'' CUL-DE-SAC in SETTLERS LANDING with beautiful PRESERVE VIEWS & extra-long driveway!! You will find $75K+ in STRUCTURAL & FINISH UPGRADES including a gorgeous gourmet kitchen with upgraded cabinets, soft close drawers, quartz counter tops & back splash. Also, includes built in fireplace in family room, wood-look laminate plank flooring in main living area & master bdrm, crown molding, bump out to enlarge master bdrm, spa-like finishes in the master bath, upgraded floor tiles in 2nd bath & laundry room, & window blinds. STRUCTURAL UPGRADES include extra windows in home, tray ceilings in the family room & master bdrm, triple sliding door, extended patio, drop zone & paver driveway! LIVE the NOCATEE LIFESTYLE w/AMAZING AMENITIES including Splash & Spray Park and so much more! Enjoy this golf cart community once you make this beautiful home yours!!

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$3,074
Property taxesest. at asking price, St. Johns County$739
HOAbilled annually$58
Estimated total, before insurance$3,871/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$9,439/yr · $787/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

$555,000
$111,000
Loan Term
Monthly Payment
$3,074
Principal & Interest: $3,074
Property taxes (est.): $739
Insurance (est.): $370
Estimated Total Monthly
$4,183
*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, Other — 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.

Sun & Light

North-facing backyard — the shade-and-soft-light lot

The listing reports the home facing south, which puts the backyard on the north side. Today at this address: sunrise 7:25 AM, sunset 7:00 PM.

  • The rear stays out of direct sun for most of the day — the coolest lanai orientation in a Florida summer, and the softest, most even light all day.
  • A pool back here gets the least direct sun: cooler water and less glare — a real preference split, so decide which camp you are in before you price it.
  • Winter afternoons on the lanai run dim earlier than any other orientation.

Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.

Cost to own

Taxes & assessment

Last sold: $488,900 in September 2022(county public record, not MLS data)

YearMarket valueTaxable valueChange
2025$525,399$525,399—
2024$519,536$519,536—
2023$493,828$493,828—
2022$112,000$112,000▼ $39,200
2021$30,000$30,000—

2025 property taxes (current owner): $9,439/yr

Estimated taxes if purchased at asking price: ~$8,900/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 19, 2026Closed$569,000
  • Jun 8, 2026Listed$569,000

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 $297/sq ft; this home is listed at $320/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
152 Constitution Drive, Ponte Vedra, FL 32081Listed by REAL BROKER LLCOct 2026$685,000$2974/22,30540.7
300 Shadow Ridge Trail, Ponte Vedra, FL 32081Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COASTSep 2026$624,250$2713/22,3054050.8
368 Pioneer Village Drive, Ponte Vedra, FL 32081Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTYJul 2026$550,000$3393/21,623461.2
513 Vista Lake Circle, Ponte Vedra, FL 32081Listed by PALM VALLEY REALTY PLLCAug 2026$495,000$3033/21,6311121.3
37 Blue Oak Court, Ponte Vedra, FL 32081Listed by REAL BROKER LLCJul 2026$592,000$2694/2.52,2011971.3
425 Union Hill Drive, Ponte Vedra, FL 32081Listed by COMPASS FLORIDA LLCJul 2026$505,000$2832/21,786761.3

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$569,000
Price / Sq Ft$320
Bedrooms4
Bathrooms2.00
Full Baths2
Square Footage1,779
Acres0.16 acres
Year Built2022
TypeResidential
Sub-TypeSingle Family Residence
StyleRanch
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontNo
Direction FacesSouth

School Information

Community Information

Address166 Rainbow Trout Lane, Ponte Vedra, FL 32081
Area272-Nocatee South
SubdivisionSettlers Landing
CityPonte Vedra
CountySt. Johns
StateFL
Zip Code32081
Lot Size6,969.6 sq ft
Parcel Number0704952250
ZoningSingle Family

Amenities

AmenitiesPool, Basketball Court, Children's Pool, Dog Park, Fitness Center, Jogging Path, Management - Off Site, Park, Pickleball, Playground, Tennis Court(s)
Community FeaturesSidewalks, Suburban, Street Lights, Curbs
UtilitiesCable Available, Electricity Connected, Natural Gas Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage, Garage Door Opener, On Street
ViewProtected Preserve, Trees/Woods

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Tub with Shower, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Double Oven, Dryer, Gas Cooktop, Gas Oven, Microwave, Refrigerator, Tankless Water Heater, Washer
HeatingCentral, Electric, Zoned
CoolingCentral Air, Electric, Zoned
FlooringCarpet, Laminate
FireplaceYes
# of Fireplaces1
Fireplace FeaturesGas
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, In Unit, Lower Level, Washer Hookup
SecurityCarbon Monoxide Detector(s), Smoke Detector(s)

Exterior

Lot DescriptionCul-De-Sac, Sprinklers In Front, Sprinklers In Rear, Wooded
Patio / PorchCovered, Front Porch, Patio, Porch
FencingBack Yard, Wrought Iron
RoofShingle, Other
ConstructionFiber Cement, Frame
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedJune 9, 2026
Days on Market11
HOA Fees$700 / Annually
HOA FrequencyAnnually
HOA NameSettlers Landing HOA
Tax Amount$9,438.9
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: IRON VALLEY REAL ESTATE NORTH FLORIDA

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 Settlers Landing

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

View all Settlers Landing homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Jul 16, 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