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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 Del Webb Nocatee, Ponte Vedra — a 55+ community home in Nocatee.

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Active

Active·91 days on market·Del Webb Nocatee

46 Curved Bay Trail

Ponte Vedra, FL 32081

$424,900$282/sqftEst. $2,326/moMLS# 2154184
↓ $15,000 below original list
3
Beds
2
Baths
1,505
Sq Ft
2022
Built
2
Garage
No
Pool

26 more homes for sale in Del Webb Nocatee →Search Del Webb Nocatee on the map

FEMA Zone XHOA $569/mo3,920 sqft lotSingle Family Residence1 story

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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

About this home

Del Webb Nocatee

Welcome to luxury living in the highly sought-after Del Webb Nocatee, the newest 55+ active adult community in the area. This impeccably maintained, custom 3 bedroom villa is just under 2 years new and is truly one-of-a-kind. Step inside through the striking Euro 5-lite sliding barn door featuring beautiful Italian design. The high-quality tempered frosted glass provides privacy while beautifully allowing natural light to flow. This flexible space functions perfectly as a bedroom, den, or home office. The gourmet kitchen shines with upgraded cabinets, elegant granite countertops, stylish backsplash, and premium stainless-steel KitchenAid appliances. Ceramic tile flooring flows throughout the main living areas, offering both beauty and easy maintenance. Both bathrooms feature upgraded tiled showers and flooring for a spa-like feel. Relax and unwind on the lanai complete with ceiling fans -- the perfect spot to enjoy morning coffee or evening breezes.

Cost to own

True monthly cost

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

Principal & interest20% down · 7.28% · 30yr$2,326
Property taxesest. at asking price, St. Johns County$565
HOAbilled monthly$569
Estimated total, before insurance$3,460/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$7,609/yr · $634/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

$424,900
$84,980
Loan Term
Monthly Payment
$2,326
Principal & Interest: $2,326
Property taxes (est.): $565
Insurance (est.): $283
Estimated Total Monthly
$3,174
*30-year loan at 7.28% APR (avg 30-yr rate 2026-10-01, 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.

Hurricane evacuation zone C

Zone C evacuates after zones A, B in an approaching storm.

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: ~1,783 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.

Sun & Light

Southwest-facing backyard — long light and winter sunsets

The listing reports the home facing northeast, which puts the backyard on the southwest side. Today at this address: sunrise 7:22 AM, sunset 7:05 PM.

  • The rear carries sun from midday deep into the evening, and in winter the sun sets almost straight into this exposure — the longest usable outdoor light of the diagonal lots.
  • Summer late-afternoons run hot; a pool here is warm and sunset-lit, and shading the lanai’s west edge earns its keep.

Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.

Cost to own

Taxes & assessment

Last sold: $350,000 in July 2024(county public record, not MLS data)

YearMarket valueTaxable valueChange
2025$389,559$389,559—
2024$404,550$241,384—
2023$386,076$232,897—
2022$78,400$71,500—
2021$65,000$65,000—

2025 property taxes (current owner): $7,609/yr

Estimated taxes if purchased at asking price: ~$6,800/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

  • Jul 28, 2026Price change$424,900−$15,000
  • Jul 7, 2026Listed$439,900

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

Features

Price$424,900
Price / Sq Ft$282
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,505
Acres0.09 acres
Year Built2022
TypeResidential
Sub-TypeSingle Family Residence
StyleVilla
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontNo
Gated CommunityYes
55+ CommunityYes
Direction FacesNortheast

Community Information

Address46 Curved Bay Trail, Ponte Vedra, FL 32081
Area272-Nocatee South
SubdivisionDel Webb Nocatee
CityPonte Vedra
CountySt. Johns
StateFL
Zip Code32081
Lot Size3,920.4 sq ft
Parcel Number0704842390

Amenities

AmenitiesPool, Basketball Court, Clubhouse, Fitness Center, Jogging Path, Maintenance Grounds, Pickleball, Shuffleboard Court, Tennis Court(s)
Community FeaturesSidewalks, Gated, Curbs
UtilitiesCable Available, Electricity Connected, Natural Gas Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage Door Opener, Off Street

Interior

Interior FeaturesCeiling Fan(s), Kitchen Island, Primary Bathroom - Shower No Tub, Walk-In Closet(s)
AppliancesDishwasher, Dryer, Gas Range, Microwave, Refrigerator, Tankless Water Heater, Washer
HeatingCentral
CoolingCentral Air
FlooringCarpet, Tile
# of Stories1
LevelsOne
LaundryIn Unit

Exterior

Patio / PorchPatio, Porch
RoofShingle
ConstructionComposition Siding
Road SurfaceAsphalt

Additional Information

Date ListedJuly 7, 2026
Days on Market90
HOA Fees$569 / Monthly
HOA FrequencyMonthly
HOA Fee IncludesMaintenance Grounds
Tax Amount$7,609.32
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityYes
New ConstructionNo

Listing Courtesy of: EXP REALTY 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 Del Webb Nocatee

Del Webb Nocatee is a neighborhood in Over 55 & Active Adult, FL (St. Johns County), ZIP 32081.

View all Del Webb Nocatee homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

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.

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20+ years · 500+ closings · NE Florida

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Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

Northeast Florida living

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