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 Greenleaf Village, Ponte Vedra.

1 / 62

Active

Active·93 days on market·Greenleaf Village

40 Howland Drive

Ponte Vedra, FL 32081

$525,000$238/sqftEst. $2,803/moMLS# 2152148

↓ $25,000 below original list

Beds

2.5

Baths

2,204

Sq Ft

2011

Built

Garage

Pool

FEMA Zone XHOA $23/moSingle Family Residence2 stories

About this home

Greenleaf Village

This David Weekley home in Nocatee's Greenleaf Village offers 3 bedrooms, 2.5 baths and a spacious upstairs retreat ideal for an office, playroom, media room or flex space. The kitchen features 42'' cabinetry, granite countertops, stainless steel appliances and generous workspace, opening to the main living and dining areas. Enjoy a fully fenced backyard with a tree-lined backdrop, covered patio and plenty of room for outdoor living. Additional features include a 2-car garage and ample storage. Greenleaf Village residents enjoy access to Nocatee's renowned amenities, including resort-style pools, Splash and Spray Water Parks, fitness facilities, parks, playgrounds, sports fields, dog parks, miles of trails, community events, shopping and dining, with convenient access to Ponte Vedra Beach.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.03% · 30yr$2,803

Property taxesest. at asking price, St. Johns County$699

HOAbilled annually$23

Estimated total, before insurance$3,525/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.

Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

Home Price

$525,000

Down Payment: 20%

$105,000

Interest Rate: 7.03%

Loan Term

Monthly Payment

$2,803

Principal & Interest: $2,803

Property taxes (est.): $699

Insurance (est.): $350

Estimated Total Monthly

$3,851

*30-year loan at 7.03% APR (avg 30-yr rate 2026-09-24, 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.

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 2011)

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

Sewer · JEA · Public water · JEA_Premises point dataset with CCB_DESC like Water

County records show this parcel on central sewer served by JEA — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,705 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.

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$467,573	$435,906	—
2024	$456,432	$396,278	—
2023	$456,168	$360,253	—
2022	$409,079	$327,503	—
2021	$297,730	$297,730	—
2020	$277,550	$277,550	—

Estimated taxes if purchased at asking price: ~$8,400/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.

History

Price & status history

Sep 16, 2026Price change$525,000−$14,990
Jul 22, 2026Price change$539,990−$10,010
Jun 24, 2026Listed$550,000

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

Features

Price$525,000

Price / Sq Ft$238

Bedrooms3

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage2,204

Year Built2011

TypeResidential

Sub-TypeSingle Family Residence

StyleContemporary

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Community Information

Address40 Howland Drive, Ponte Vedra, FL 32081

Area272-Nocatee South

SubdivisionGreenleaf Village

CityPonte Vedra

CountySt. Johns

StateFL

Zip Code32081

Parcel Number0232340110

ZoningResidential

Amenities

AmenitiesPool, Children's Pool, Clubhouse, Fitness Center, Jogging Path, Playground

UtilitiesCable Connected, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage

Interior

Interior FeaturesBreakfast Nook, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Kitchen Island, Open Floorplan, Walk-In Closet(s)

AppliancesDishwasher, Dryer, Gas Range, Microwave, Refrigerator, Washer

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile

# of Stories2

LevelsTwo

Exterior

Patio / PorchPatio, Rear Porch

FencingBack Yard

RoofShingle

ConstructionStucco

Additional Information

Date ListedJune 24, 2026

Days on Market99

HOA Fees$280 / Annually

HOA FrequencyAnnually

Listing TermsCash, Conventional, FHA, VA Loan

55+ CommunityNo

New ConstructionNo

Listing Courtesy of: EXP REALTY LLC · cindy@jfhteam.com

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

The neighborhood

About Greenleaf Village

Greenleaf Village is a neighborhood in Nocatee, FL (St. Johns County), ZIP 32081.

View all Greenleaf Village homes for sale →

Keep looking

More homes in Greenleaf Village

View all Greenleaf Village homes →

Keep looking

Similar homes in Ponte Vedra

Explore the area

40 Howland Drive

Greenleaf Village

True monthly cost

Mortgage calculator

Florida Reality Check

Taxes & assessment

Price & status history

Features

Community Information

Amenities

Interior

Exterior

Additional Information

About Greenleaf Village

More homes in Greenleaf Village

Similar homes in Ponte Vedra

More in Greenleaf Village

Curious what nearby homes sold for?