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 Under Contract

Active Under Contract·44 days on market·The Island at Twenty Mile

81 Bison Trail

Ponte Vedra, FL 32081

$775,000$326/sqftEst. $3,988/moMLS# 2153504

Beds

Baths

2,379

Sq Ft

2017

Built

Garage

Yes

Pool

About this home

The Island at Twenty Mile

Move-In Ready Pool Home on a Preserve Lot in Highly Desirable Twenty Mile at Nocatee! Welcome to your own slice of the Nocatee lifestyle! This beautifully maintained pool home is perfectly situated on a private preserve lot in The Crossing at Twenty Mile, one of Nocatee's most sought-after neighborhoods. Even better, it's just steps from the highly acclaimed Palm Valley Academy (K-8), making school drop-offs and pickups incredibly convenient for families seeking top-rated St. Johns County schools. One of this home's unique advantages is the expansive green space next door, providing the feel of a much larger yard without the extra maintenance. Out back, relax and entertain year-round in your own saltwater pool and spa, surrounded by peaceful preserve views--the perfect setting for enjoying Florida's outdoor lifestyle. Designed with both comfort and functionality in mind, this two-story home features 3 bedrooms, 2.5 bathrooms, a private home office with French doors and a Murphy bed

Cost to own

Mortgage calculator

Home Price

$775,000

Down Payment: 20%

$155,000

Interest Rate: 6.67%

Loan Term

Monthly Payment

$3,988

Principal & Interest: $3,988

Property taxes (est.): $1,031

Insurance (est.): $517

Estimated Total Monthly

$5,536

*30-year loan at 6.67% APR (avg 30-yr rate 2026-08-13, 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 · 6.67% · 30yr$3,988

Property taxesest. at asking price, St. Johns County$1,031

HOAbilled annually$40

Estimated total, before insurance$5,060/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,253/yr · $438/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	$691,567	$353,220	—
2024	$636,309	$342,558	—
2023	$656,429	$331,124	—
2022	$574,301	$320,023	—
2021	$354,711	$267,698	—
2020	$326,534	$263,312	—

2025 property taxes (current owner): $5,253/yr

Estimated taxes if purchased at asking price: ~$12,400/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.

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: ~1,750 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 21, 2026Active Under Contract$775,000
Jul 2, 2026Listed$775,000

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

Features

Price$775,000

Price / Sq Ft$326

Bedrooms3

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage2,379

Acres0.13 acres

Year Built2017

TypeResidential

Sub-TypeSingle Family Residence

StyleCraftsman

StatusActive Under Contract

# of Garages2

Has PoolYes

Pool FeaturesIn Ground, Gas Heat, Heated, Salt Water

Is WaterfrontNo

School Information

ElementaryPalm Valley Academy

MiddlePalm Valley Academy

HighAllen D. Nease

Community Information

Address81 Bison Trail, Ponte Vedra, FL 32081

Area271-Nocatee North

SubdivisionTwenty Mile At Nocatee

CityPonte Vedra

CountySt. Johns

StateFL

Zip Code32081

Lot Size5,662.8 sq ft

Lot Dimensions40x129x40x149

Parcel Number0680611310

Amenities

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

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

Water SourcePublic

ParkingAttached, Garage

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, His and Hers Closets, Pantry, Primary Bathroom -Tub with Separate Shower, Walk-In Closet(s)

AppliancesDishwasher, Dryer, Electric Oven, Gas Range, Microwave, Refrigerator, Tankless Water Heater, Washer, Water Softener Owned

HeatingCentral, Electric, Heat Pump

CoolingCentral Air, Electric

FlooringCarpet, Tile

FireplaceYes

# of Fireplaces1

Fireplace FeaturesElectric, Outside

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, In Unit