This home is in Settlers Landing, Ponte Vedra — a home near Allen D. Nease High School.
Active Under Contract·45 days on market·Settlers Landing
41 Harpers Mill Drive
Ponte Vedra, FL 32081
About this home
Settlers Landing
NEW PRICE! Former Providence Ellaville Model Home showcasing timeless design, exceptional craftsmanship, and peaceful pond and preserve views. Situated on a premium homesite with generous separation from neighboring homes, this beautifully appointed residence features a highly desirable floor plan with four bedrooms on the main level and a private upstairs suite with a full bath, ideal as a guest retreat, media room, playroom, or flexible living space. Rich herringbone hardwood floors, extensive custom millwork, built-ins, a gourmet kitchen with an oversized waterfall island, and a screened paver lanai with a fully equipped summer kitchen highlight the home's exceptional quality. Professionally prepared pool renderings illustrate the opportunity for a custom 30' x 14' pool. Move-in ready and now offered at $1,175,000.
Cost to own
Mortgage calculator
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 (that applies to the reference bill above too).
Cost to own
Taxes & assessment
Last sold: $1,100,000 in June 2023(county public record, not MLS data)
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $990,388 | $870,796 | — |
| 2024 | $895,547 | $845,547 | — |
| 2023 | $788,558 | $788,558 | — |
| 2022 | $112,000 | $112,000 | ▼ $39,200 |
2025 property taxes (current owner): $14,799/yr
Estimated taxes if purchased at asking price: ~$18,800/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 — year not disclosed (home built 2022)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,759 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.
History
Price & status history
- Aug 2, 2026Active Under Contract$1,175,000
- Jul 28, 2026Price change$1,175,000−$25,000
- Jul 27, 2026Active$1,200,000
- Jul 24, 2026Active Under Contract$1,200,000
- Jul 3, 2026Listed$1,200,000
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
The neighborhood
About Settlers Landing
Settlers Landing is a neighborhood in Nocatee, FL (St. Johns County), ZIP 32081.
View all Settlers Landing homes for sale →Listing Courtesy of: HERRON REAL ESTATE LLC
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
Keep looking
More homes in Settlers Landing
Active Under Contract$1,196,000MLS# 2156358Est. $6,366/mo337 Potters Mill Trail, Ponte Vedra, FL 320814 Beds3 Baths3,215 sqftStep into elegance through the dramatic two-story foyer, where soaring ceilings and abundant natural light come…
ResidentialKELLER WILLIAMS REALTY ATLANTIC PARTNERS
Active$1,125,000MLS# 2135680Est. $5,988/mo147 Potters Mill Trail, Ponte Vedra, FL 320815 Beds4 Baths3,139 sqftWelcome to 147 Potters Mill, Pond Views, Prime Location & Effortless Living in Nocatee Nestled in the sought-after…
ResidentialCOMPASS FLORIDA LLC
Active$1,315,000MLS# 2134783Est. $6,999/mo253 Potters Mill Trail, Ponte Vedra, FL 320814 Beds3 Baths3,168 sqftIf you are looking for a super clean home in immaculate condition - look no further. Welcome to 253 Potters Mill…
ResidentialLOWEST FEE REALTY LLC
Active$859,000MLS# 2135021Est. $4,572/mo223 Settlers Landing Drive, Ponte Vedra, FL 320814 Beds3 Baths2,906 sqftWelcome home! Why wait for New Construction, when the house is ready? This beautiful home, situated in a great…
ResidentialWATSON REALTY CORP
Keep looking
Similar homes in Ponte Vedra
Your Local Realtor
Krista Fracke
Broker Associate
Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.
Text Krista about this home20+ years · 500+ closings · NE Florida
Curious what nearby homes sold for?
MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines