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 Walden Chase, Ponte Vedra — a home near Allen D. Nease High School.

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Active

Active·46 days on market·Walden Chase

1416 Kipling Lane

Ponte Vedra, FL 32081

$475,000$242/sqftEst. $2,450/moMLS# 2152491

Beds

Baths

1,965

Sq Ft

2001

Built

Garage

Pool

About this home

Walden Chase

One of the best value opportunities in Ponte Vedra! Located in the highly sought-after Walden Chase community and within the award-winning St. Johns County School District, this beautifully maintained single-story home features 3 bedrooms, 2 bathrooms, a dedicated home office/flex room, and nearly 2,000 SF of comfortable living space. Major updates include a new roof (2021) and HVAC (2022), providing added peace of mind. The open layout offers spacious living areas, a generous kitchen overlooking the family room, a screened lanai, and a fully fenced backyard perfect for entertaining or relaxing. Offering the ideal combination of location, functionality, and long-term value, this home is one you'll want to experience in person. For additional information or to schedule a private showing, please call or text the co-listing agent.

Cost to own

Mortgage calculator

Home Price

$475,000

Down Payment: 20%

$95,000

Interest Rate: 6.69%

Loan Term

Monthly Payment

$2,450

Principal & Interest: $2,450

Property taxes (est.): $632

Insurance (est.): $317

Estimated Total Monthly

$3,398

*30-year loan at 6.69% APR (avg 30-yr rate 2026-08-06, 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 · 6.69% · 30yr$2,450

Property taxesest. at asking price, St. Johns County$632

HOAbilled annually$75

Estimated total, before insurance$3,157/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,289/yr · $441/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	$367,915	$367,915	—
2024	$369,287	$188,449	—
2023	$382,264	$181,504	—
2022	$331,857	$174,761	—
2021	$243,185	$168,215	—
2020	$225,010	$165,202	—

2025 property taxes (current owner): $5,289/yr

Estimated taxes if purchased at asking price: ~$7,600/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 — 2021 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

Sewer · St Johns County Utilities - accounts · Public water · St Johns County Utilities - water accounts

County records show this parcel on central sewer served by St Johns County Utilities - accounts — no septic system to inspect or maintain.

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

Solar potential: ~1,736 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