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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in Settlers Landing, Ponte Vedra — a home near Allen D. Nease High School.

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Sold

Sold·Closed Sep 10, 2026·30 days on market·Recent sales in Settlers Landing·Settlers Landing

41 Harpers Mill Drive

Ponte Vedra, FL 32081

$1,175,000sold priceListed at $1,175,000 · 100% of asking$377/sqftMLS# 2153748
5
Beds
4
Baths
3,118
Sq Ft
2022
Built
2.5
Garage
No
Pool

9 more homes for sale in Settlers Landing →Search Settlers Landing on the map

FEMA Zone XHOA $58/mo10,454 sqft lotWaterfrontSingle Family Residence2 stories

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

True monthly cost

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

Principal & interest20% down · 7.4% · 30yr$6,508
Property taxesest. at asking price, St. Johns County$1,564
HOAbilled annually$58
Estimated total, before insurance$8,130/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$14,799/yr · $1,233/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$1,175,000
$235,000
Loan Term
Monthly Payment
$6,508
Principal & Interest: $6,508
Property taxes (est.): $1,564
Insurance (est.): $783
Estimated Total Monthly
$8,855
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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 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 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

Last sold: $1,100,000 in June 2023(county public record, not MLS data)

YearMarket valueTaxable valueChange
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.

History

Price & status history

  • Sep 10, 2026Closed$1,175,000
  • Aug 20, 2026Pending$1,175,000
  • 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.

Closed sales

What sold nearby

Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $361/sq ft; this home is listed at $377/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
152 Constitution Drive, Ponte Vedra, FL 32081Listed by REAL BROKER LLCOct 2026$685,000$2974/22,30540.3
337 Potters Mill Trail, Ponte Vedra, FL 32081Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERSSep 2026$1,160,000$3614/3.53,21590.3
300 Shadow Ridge Trail, Ponte Vedra, FL 32081Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COASTSep 2026$624,250$2713/22,3054050.5
187 Baywinds Court, Ponte Vedra, FL 32081Listed by ICI SELECT REALTY, INC.Sep 2026$1,302,812$3355/3.53,88400.6
470 Seagrove Drive, Ponte Vedra, FL 32081Listed by WATSON REALTY CORPSep 2026$1,515,000$4295/4.53,53410.6
67 Barrier Reef Drive, Ponte Vedra, FL 32081Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COASTSep 2026$1,435,000$3755/4.53,829180.6

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

Features

Price$1,175,000
Price / Sq Ft$377
Bedrooms5
Bathrooms4.00
Full Baths4
Square Footage3,118
Acres0.24 acres
Year Built2022
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
Property ConditionUpdated/Remodeled
StatusClosed
# of Garages2.5
Has PoolNo
Is WaterfrontYes

School Information

Community Information

Address41 Harpers Mill Drive, Ponte Vedra, FL 32081
Area272-Nocatee South
SubdivisionSettlers Landing
CityPonte Vedra
CountySt. Johns
StateFL
Zip Code32081
Lot Size10,454.4 sq ft
Parcel Number0704952820
ZoningResidential

Amenities

AmenitiesBoat Launch, Dog Park, Jogging Path, Maintenance Grounds, Park, Playground
Community FeaturesSidewalks, Street Lights, Curbs
UtilitiesCable Available, Electricity Connected, Natural Gas Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingElectric Vehicle Charging Station(s), Garage, Off Street
ViewPond, Protected Preserve, Trees/Woods
Waterfront TypePond

Interior

Interior FeaturesBuilt-in Features, Ceiling Fan(s), Eat-in Kitchen, Kitchen Island, Pantry, Primary Downstairs, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Dryer, ENERGY STAR Qualified Water Heater, Gas Oven, Microwave, Refrigerator, Tankless Water Heater, Washer
HeatingCentral
CoolingCentral Air, Zoned
FlooringCarpet, Tile, Wood
# of Stories2
LevelsTwo
LaundryLower Level
SecuritySecurity System Owned, Smoke Detector(s)

Exterior

Exterior FeaturesOutdoor Kitchen
Lot DescriptionSprinklers In Front, Sprinklers In Rear
Patio / PorchCovered, Front Porch, Patio, Screened
FencingFull, Vinyl
RoofShingle
ConstructionFiber Cement
Road SurfaceAsphalt
Road FrontageCounty Road

Additional Information

Date ListedJuly 3, 2026
Days on Market30
HOA Fees$700 / Annually
HOA FrequencyAnnually
HOA Fee IncludesMaintenance Grounds
Tax Amount$14,799.05
Tax Year2025
Listing TermsCash, Conventional
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: HERRON REAL ESTATE LLC

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 Settlers Landing

Settlers Landing is a neighborhood in Nocatee, FL (St. Johns County), ZIP 32081.

View all Settlers Landing homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Sep 10, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.

Text Krista about this saleHomes for sale nearby →

20+ 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.

Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

Northeast Florida living

Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines