Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in The Island at Twenty Mile, Ponte Vedra — a home near Allen D. Nease High School.

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Active

Active·45 days on market·The Island at Twenty Mile

20 Bison Trail

Ponte Vedra, FL 32081

$619,900$268/sqftEst. $3,161/moMLS# 2151007

Beds

Baths

2,315

Sq Ft

2017

Built

Garage

Pool

About this home

The Island at Twenty Mile

Location, Location, Location! Experience the Highly Sought-After Nocatee Lifestyle! Welcome home to this wonderfully designed 2-story Providence home in The Crossing at Twenty Mile, one of Nocatee's most desirable neighborhoods. Perfectly situated on a large corner lot, this home offers an exceptional combination of space, functionality, and convenience with no wasted square footage. A standout feature is the home's prime location, just a short walk to Palm Valley Academy, the highly rated K-8 school located adjacent to the Twenty Mile community--an ideal benefit for families seeking top-rated schools in Nocatee. Inside, you'll find a thoughtfully designed floor plan featuring a private home office, powder bath, and formal dining room. The heart of the home is the open-concept living area where the gourmet kitchen seamlessly flows into the casual dining nook and spacious family room, creating the perfect setting for everyday living and entertaining. The kitchen is equipped with

Cost to own

Mortgage calculator

Home Price

$619,900

Down Payment: 20%

$123,980

Interest Rate: 6.58%

Loan Term

Monthly Payment

$3,161

Principal & Interest: $3,161

Property taxes (est.): $825

Insurance (est.): $413

Estimated Total Monthly

$4,399

*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$3,161

Property taxesest. at asking price, St. Johns County$825

HOAbilled annually$40

Estimated total, before insurance$4,026/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,459/yr · $372/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

Year	Market value	Taxable value	Change
2025	$647,389	$294,258	—
2024	$608,810	$285,258	—
2023	$625,640	$275,493	—
2022	$546,494	$266,013	—
2021	$382,550	$256,809	—
2020	$351,590	$245,260	—

2025 property taxes (current owner): $4,459/yr

Estimated taxes if purchased at asking price: ~$9,900/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.

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: Shingle — year not disclosed (home built 2017)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Solar potential: ~1,642 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 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 30, 2026Price change$619,900−$10,000
Jul 24, 2026Price change$629,900−$10,000
Jul 17, 2026Price change$639,900−$10,000
Jul 14, 2026Price change$649,900−$10,100
Jul 7, 2026Price change$660,000−$15,000
Jun 17, 2026Listed$675,000

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

Features

Price$619,900

Price / Sq Ft$268

Bedrooms3

Bathrooms3.50

Full Baths3

Half Baths1

Square Footage2,315

Acres0.16 acres

Year Built2017

TypeResidential

Sub-TypeSingle Family Residence

StyleOther

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

School Information

ElementaryPalm Valley Academy

MiddlePalm Valley Academy

HighAllen D. Nease

Community Information

Address20 Bison Trail, Ponte Vedra, FL 32081

Area271-Nocatee North

SubdivisionTwenty Mile At Nocatee

CityPonte Vedra

CountySt. Johns

StateFL

Zip Code32081

Lot Size6,969.6 sq ft

Lot Dimensions62.3x93.66x70.56x133.87

Parcel Number0680610970

ZoningResidential

Amenities

AmenitiesPool, Basketball Court, Children's Pool, Dog Park, Fitness Center, Park, Pickleball, Playground, Tennis Court(s)

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

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Eat-in Kitchen, Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Gas Range, Microwave, Refrigerator, Tankless Water Heater, Washer

HeatingCentral, Electric, Heat Pump

CoolingCentral Air, Electric

FlooringCarpet, Tile

# of Stories2

LaundryElectric Dryer Hookup, In Unit, Upper Level, Washer Hookup

SecuritySmoke Detector(s)

Spa FeaturesHeated, Above Ground, Private