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This home is in Crosswater Village, Ponte Vedra — a home near Allen D. Nease High School.

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Active

Active·45 days on market·Crosswater Village

381 Pioneer Village Drive

Ponte Vedra, FL 32081

$684,900$304/sqftEst. $3,492/moMLS# 2151010

Beds

Baths

2,254

Sq Ft

2020

Built

Garage

Pool

About this home

Crosswater Village

Welcome to 381 Pioneer Village Drive, ideally situated on a quiet cul-de-sac in Nocatee's highly desirable Crosswater Village community. One of this home's standout features is its rare pond and preserve view, offering both privacy and peaceful scenery right from your backyard. Inside, you'll find bright, open living spaces with a functional layout designed for everyday living and entertaining.The kitchen anchors the main living area and connects seamlessly to the surrounding spaces. Enjoy a stylish head start with designer light fixtures, upgraded mirrors, and custom wood-accent bathroom walls, thoughtful upgrades that add warmth, character, and personality far beyond standard builder-grade finishes. The spacious owner's suite provides a private retreat, while the covered lanai is the perfect place to enjoy your morning coffee or unwind overlooking the water and preserve. Skip the build, skip the delays, and start enjoying the Nocatee lifestyle now! This home is move-in ready now!

Cost to own

Mortgage calculator

Home Price

$684,900

Down Payment: 20%

$136,980

Interest Rate: 6.58%

Loan Term

Monthly Payment

$3,492

Principal & Interest: $3,492

Property taxes (est.): $911

Insurance (est.): $457

Estimated Total Monthly

$4,860

*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$3,492

Property taxesest. at asking price, St. Johns County$911

HOAbilled annually$79

Estimated total, before insurance$4,483/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$8,410/yr · $701/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: $665,000 in June 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$535,974	$437,035	—
2024	$531,209	$424,011	—
2023	$531,202	$378,637	—
2022	$416,152	$366,152	—
2021	$352,153	$352,153	—
2020	$80,000	$80,000	—

2025 property taxes (current owner): $8,410/yr

Estimated taxes if purchased at asking price: ~$10,900/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 2020)

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

Solar potential: ~1,738 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 22, 2026Price change$684,900−$5,000
Jun 17, 2026Listed$689,900

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

Features

Price$684,900

Price / Sq Ft$304

Bedrooms4

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage2,254

Acres0.12 acres

Year Built2020

TypeResidential

Sub-TypeSingle Family Residence

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontYes

School Information

ElementaryPine Island Academy

MiddlePine Island Academy

HighAllen D. Nease

Community Information

Address381 Pioneer Village Drive, Ponte Vedra, FL 32081

Area272-Nocatee South

SubdivisionCrosswater Village

CityPonte Vedra

CountySt. Johns

StateFL

Zip Code32081

Lot Size5,227.2 sq ft

Parcel Number0704920320

ZoningResidential

Amenities

AmenitiesPool, Basketball Court, Clubhouse, Park, Playground, Tennis Court(s)

UtilitiesCable Available, Natural Gas Connected, Sewer Available, Water Available

SewerPublic Sewer

Water SourcePublic

ParkingGarage Door Opener

ViewPond

Waterfront TypePond

Interior

Interior FeaturesBuilt-in Features, Ceiling Fan(s), Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Primary Downstairs, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Oven, Gas Cooktop, Microwave, Refrigerator, Tankless Water Heater, Washer

HeatingCentral

CoolingCentral Air

FlooringCarpet, Laminate, Tile

FireplaceYes

Fireplace FeaturesElectric

# of Stories2

LevelsTwo

LaundryLower Level