This home is in Ponte Vedra.
Active·28 days on market
453 Vista Lake Circle
Ponte Vedra, FL 32081
About this home
Ponte Vedra
Beautiful pond views from this immaculately maintained 3-bedroom, 2-bath home in Crosswater at Nocatee! The open floor plan features hardwood-look tile in the main living areas, LVP flooring in the bedrooms, and a spacious living room with an electric fireplace, floor-to-ceiling stone surround, plantation shutters, and abundant natural light. The kitchen offers ample counter space and abundant cabinetry. A versatile flex room off the entry is perfect for a home office or sitting area. The split-bedroom layout includes two secondary bedrooms and a full bath at the front, while the private primary suite overlooks the pond and features a walk-in closet. Relax on the extended paver screened lanai and enjoy peaceful water views. Located in Nocatee Community; close to top-rated schools, resort-style amenities, trails, parks, pools, and just 20 minutes from the beach. Dont miss this beautiful home!
Cost to own
Mortgage calculator
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $486,784 | $275,809 | — |
| 2024 | $496,401 | $267,328 | — |
| 2023 | $463,388 | $258,085 | — |
| 2022 | $388,458 | $249,112 | — |
| 2021 | $309,069 | $240,400 | — |
| 2020 | $287,632 | $236,391 | — |
2025 property taxes (current owner): $6,239/yr
Estimated taxes if purchased at asking price: ~$8,200/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.
Hurricane evacuation zone D
Zone D evacuates after zones A, B, C in an approaching storm.
Roof: material not specified — year not disclosed (home built 2018)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,800 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 homeInformational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.
History
Price & status history
- Jun 18, 2026Listed$515,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: KELLER WILLIAMS ST JOHNS
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Your Local Expert
Krista Fracke
Broker Associate
Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.
Contact KristaText Krista about this home20+ years · 500+ closings · NE Florida
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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines
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