This home is in Lakeside at Town Center, Ponte Vedra.
Active·45 days on market·Lakeside at Town Center
431 Park Lake Drive
Ponte Vedra, FL 32081
About this home
Lakeside at Town Center
PRICED BELOW APPRAISAL! Step into this exceptional 5-bedroom, 3.5-bath home, offering a blend of modern luxury and comfort. Boasting over 2800 sq. ft. of living space, this home has been thoughtfully upgraded to meet the needs of today's family. The newly pavered backyard is an entertainer's dream, featuring a heated saltwater pool, bamboo for added privacy and plenty of space for outdoor dining and relaxation. A wood playground is included, ensuring fun for all ages! Inside, you'll find a spacious living area with luxury vinyl plank and tile flooring throughout. The chef-inspired kitchen, equipped with high-end appliances and an abundance of counter space, is perfect for preparing meals for family and friends. The home's new exterior doors and plantation shutters add to the stylish ambiance, while USB outlets and dimmer switches throughout bring convenience to your fingertips. The HVAC system was replaced in 2022, and the attic has been newly insulated to improve energy efficiency.
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, 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
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $663,781 | $613,059 | — |
| 2024 | $649,750 | $599,750 | — |
| 2023 | $665,861 | $615,861 | — |
| 2022 | $537,132 | $439,884 | — |
| 2021 | $399,895 | $399,895 | — |
| 2020 | $372,390 | $287,153 | — |
2025 property taxes (current owner): $10,745/yr
Estimated taxes if purchased at asking price: ~$15,100/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 2014)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,743 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 homeAs 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 12, 2026Listed$945,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
The neighborhood
About Lakeside at Town Center
Lakeside at Town Center is a neighborhood in Nocatee, FL (St. Johns County), ZIP 32081.
View all Lakeside at Town Center homes for sale →Listing Courtesy of: RE/MAX SPECIALISTS
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Krista Fracke
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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines