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

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Pending

Pending·54 days on market·Reflections

639 Caiden Drive

Ponte Vedra, FL 32081

$870,466$300/sqftEst. $4,475/moMLS# 2154137

Beds

Baths

2,900

Sq Ft

2026

Built

2.5

Garage

Yes

Pool

About this home

Reflections

This Cleary is a 2,900 sqft. home with 5 bedrooms and 4 1/2 baths. The entry welcomes guests into the foyer . The gathering room and the dining room are open to the gourmet kitchen with views of the covered lanai. A large downstairs master suite has an elegant bath and a HUGE walk in closet that extends under the stairs! The Four secondary bedrooms and three full baths are located upstairs along with a bonus room which has coffered ceilings. A large unconditioned walk-out storage area contains the mechanicals is conveniently located upstairs with plenty of storage for all your stuff. The expanded covered lanai is prewired and plumbed for an outdoor kitchen to extend the outdoor living area.

Cost to own

Mortgage calculator

Home Price

$870,466

Down Payment: 20%

$174,093

Interest Rate: 6.66%

Loan Term

Monthly Payment

$4,475

Principal & Interest: $4,475

Property taxes (est.): $1,158

Insurance (est.): $580

Estimated Total Monthly

$6,214

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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 · 6.66% · 30yr$4,475

Property taxesest. at asking price, St. Johns County$1,158

HOAbilled annually$70

Estimated total, before insurance$5,703/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,087/yr · $341/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

2025 property taxes (current owner): $4,087/yr

Estimated taxes if purchased at asking price: ~$13,900/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, NEFMLS.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — year not disclosed (home built 2026)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

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 7, 2026Listed$870,466

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

Features

Price$870,466

Price / Sq Ft$300

Bedrooms5

Bathrooms4.50

Full Baths4

Half Baths1

Square Footage2,900

Acres0.18 acres

Year Built2026

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionTo Be Built

StatusPending

# of Garages2.5

Has PoolYes

Pool FeaturesIn Ground, Gas Heat

Is WaterfrontNo

New ConstructionYes

Direction FacesEast

School Information

ElementaryPine Island Academy

MiddlePine Island Academy

HighAllen D. Nease

Community Information

Address639 Caiden Drive, Ponte Vedra, FL 32081

Area272-Nocatee South

SubdivisionReflections

CityPonte Vedra

CountySt. Johns

StateFL

Zip Code32081

Lot Size7,840.8 sq ft

Parcel Number0705040100

ZoningSingle Family

Amenities

AmenitiesPool, Basketball Court, Children's Pool, Dog Park, Fitness Center, Jogging Path, Maintenance Grounds, Management - Full Time, Management - Off Site, Park, Pickleball, Playground, Tennis Court(s)

UtilitiesCable Available, Electricity Available, Natural Gas Available, Sewer Available, Water Available

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener, Off Street, On Street

ViewPool, Trees/Woods

Interior

Interior FeaturesBreakfast Bar, Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Electric Oven, Gas Cooktop, Gas Water Heater, Microwave, Plumbed For Ice Maker, Tankless Water Heater

HeatingCentral

CoolingCentral Air, Multi Units, Zoned

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, Gas Dryer Hookup, In Unit, Lower Level, Washer Hookup

SecurityCarbon Monoxide Detector(s), Security System Owned, Smoke Detector(s)