This home is in Kelly Pointe, Ponte Vedra — a home near Allen D. Nease High School.
Active Under Contract·89 days on market·Kelly Pointe
287 Captiva Drive
Ponte Vedra, FL 32081
About this home
Kelly Pointe
Room to spread out, room to play, and room to make it yours, all in one of Nocatee's most charming neighborhoods! The BEST value for a 4 bdrm home in Nocatee!!! This Kelly Pointe home brings the space and charm with 4 spacious bdrms upstairs, 2.5 baths, a loft, office, and flex/dining room. Gorgeous hardwood floors warm up the main living spaces, & the open layout makes everyday life feel easy, from busy school mornings to movie nights & holiday hosting. The kitchen is ready for real life & entertaining, w/a large island, 42'' maple cabinets with crown molding, stainless steel appliances, & a butler's pantry. Newer dishwasher and refrigerator (2021), plus A/C units replaced in 2021 and 2025 and water heater replaced in 2024 offer added peace of mind!! A cozy gas fireplace adds the perfect touch to the main living area. Out back, the oversized partially fenced yard overlooks the preserve and is ready for your dream setup: POOL, outdoor kitchen, playset, corn hole, or all of the above.
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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
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 2013)
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: ~1,745 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 homeAs 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 | $537,136 | $236,396 | — |
| 2024 | $565,829 | $229,026 | — |
| 2023 | $570,470 | $220,899 | — |
| 2022 | $513,666 | $213,009 | — |
| 2021 | $366,501 | $205,349 | — |
| 2020 | $357,194 | $201,823 | — |
Estimated taxes if purchased at asking price: ~$10,000/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 11, 2026Active Under Contract$625,000
- Aug 27, 2026Price change$625,000−$24,900
- Aug 14, 2026Price change$649,900−$10,000
- Aug 1, 2026Active Under Contract$659,900
- Jun 26, 2026Listed$659,900
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST · cara.ferreira@cirefc.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 Kelly Pointe
Kelly Pointe is a neighborhood in Nocatee, FL (St. Johns County), ZIP 32081.
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Your Local Realtor
Krista Fracke
Broker Associate
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Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines