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This home is in Seabrook Village, Ponte Vedra — a waterfront home in Nocatee.

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Active

Active·45 days on market·Seabrook Village

81 Somerville Drive

Ponte Vedra, FL 32081

$895,000$316/sqftEst. $4,563/moMLS# 2150895

Beds

Baths

2,830

Sq Ft

2023

Built

2.5

Garage

Pool

About this home

Seabrook Village

Experience the best of Nocatee living in this beautifully upgraded 4-bedroom, 2.5-bath home nestled in sought-after Seabrook Village. Overlooking a peaceful water view and located within walking distance to the community pool, playground, dog park, and the new K-8 school opening in 2026, this home offers the perfect blend of comfort, convenience, and lifestyle. Designed with both functionality and style in mind, the home features luxury finishes throughout, including upgraded light fixtures and ceiling fans, custom accent walls, built-ins, and automatic blinds in the living room and primary suite. The versatile office/flex room includes custom built-ins and can easily adapt to your needs. The spacious living area is anchored by an electric fireplace, creating a warm and inviting gathering space. The well-appointed kitchen offers soft-close cabinetry and drawers, a large island with additional storage, a walk-in pantry, and thoughtful upgrades that make everyday living effortless.

Cost to own

Mortgage calculator

Home Price

$895,000

Down Payment: 20%

$179,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$4,563

Principal & Interest: $4,563

Property taxes (est.): $1,191

Insurance (est.): $597

Estimated Total Monthly

$6,351

*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$4,563

Property taxesest. at asking price, St. Johns County$1,191

HOAbilled annually$70

Estimated total, before insurance$5,824/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$11,003/yr · $917/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: $742,600 in December 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$662,221	$611,499	—
2024	$634,048	$584,048	—
2023	$90,500	$90,500	—

2025 property taxes (current owner): $11,003/yr

Estimated taxes if purchased at asking price: ~$14,300/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 2023)

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

Jul 20, 2026Price change$895,000−$30,000
Jun 16, 2026Listed$925,000

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

Features

Price$895,000

Price / Sq Ft$316

Bedrooms4

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage2,830

Acres0.15 acres

Year Built2023

TypeResidential

Sub-TypeSingle Family Residence

StyleContemporary

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2.5

Has PoolNo

Is WaterfrontYes

Community Information

Address81 Somerville Drive, Ponte Vedra, FL 32081

Area272-Nocatee South

SubdivisionSeabrook Village

CityPonte Vedra

CountySt. Johns

StateFL

Zip Code32081

Lot Size6,534 sq ft

Parcel Number0705012990

Amenities

AmenitiesPool, Basketball Court, Clubhouse, Dog Park, Fitness Center, Jogging Path, Park, Playground, Tennis Court(s)

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

SewerPublic Sewer

Water SourcePublic

Green / EnergyAppliances, HVAC, Insulation

ParkingGarage, Garage Door Opener

ViewPond

Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Built-in Features, Ceiling Fan(s), Central Vacuum, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Primary Downstairs, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDisposal, Electric Oven, ENERGY STAR Qualified Dishwasher, ENERGY STAR Qualified Dryer, ENERGY STAR Qualified Refrigerator, ENERGY STAR Qualified Washer, Freezer, Gas Range, Microwave, Tankless Water Heater, Water Softener Owned

HeatingCentral

CoolingCentral Air

FlooringCarpet, Vinyl

FireplaceYes

Fireplace FeaturesElectric

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, Lower Level, Washer Hookup

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

Spa FeaturesHeated, Above Ground, Private