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 Ponte Vedra — a home near Allen D. Nease High School.

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Active

Active·45 days on market

173 Reflections Avenue

Ponte Vedra, FL 32081

$839,990$318/sqftEst. $4,314/moMLS# 2154400

Beds

Baths

2,639

Sq Ft

2025

Built

Garage

Pool

About this home

Ponte Vedra

Tucked against a tranquil preserve in Reflections at Nocatee, this exquisitely upgraded 5-bedroom, 3-bath home with loft offers a rare chance to settle into Northeast Florida's most coveted community. And with a 2025 build, you skip the wait, the permits, and the guesswork: this home is move-in ready for the life you've been planning. Step through the soaring 8' coastal-style glass front door into a home defined by luxury vinyl plank flooring, designer lighting fixtures and an abundance of windows that bathe the home in natural light. The gourmet kitchen is a true centerpiece, showcasing a grand quartz island, two-tone soft-close cabinetry, a custom wood kitchen hood, marble backsplash, cast iron farmhouse sink and a walk-in pantry. The open-concept living room is equally impressive, featuring surround sound speakers and serene, unobstructed preserve views. The upstairs primary suite offers a private retreat with a tray ceiling, upgraded fan, tranquil preserve views and expansive

Cost to own

Mortgage calculator

Home Price

$839,990

Down Payment: 20%

$167,998

Interest Rate: 6.65%

Loan Term

Monthly Payment

$4,314

Principal & Interest: $4,314

Property taxes (est.): $1,118

Insurance (est.): $560

Estimated Total Monthly

$5,992

*30-year loan at 6.65% APR (avg 30-yr rate 2026-08-20, 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 · 6.65% · 30yr$4,314

Property taxesest. at asking price, St. Johns County$1,118

HOAbilled monthly$79

Estimated total, before insurance$5,511/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.

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 2025)

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

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 10, 2026Active$839,990
Jul 8, 2026Listed$839,990

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

Features

Price$839,990

Price / Sq Ft$318

Bedrooms5

Bathrooms3.00

Full Baths3

Square Footage2,639

Acres0.17 acres

Year Built2025

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

School Information

ElementaryPine Island Academy

MiddlePine Island Academy

HighAllen D. Nease

Community Information

Address173 Reflections Avenue, Ponte Vedra, FL 32081

Area272-Nocatee South

SubdivisionNocatee

CityPonte Vedra

CountySt. Johns

StateFL

Zip Code32081

Lot Size7,405.2 sq ft

Parcel Number0705033340

Amenities

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

UtilitiesElectricity Connected, Natural Gas Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage

ViewProtected Preserve, Trees/Woods

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Guest Suite, In-Law Floorplan, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Gas Cooktop, Microwave, Refrigerator, Tankless Water Heater, Washer, Water Softener Owned

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile

# of Stories2

LaundryElectric Dryer Hookup, Gas Dryer Hookup, Upper Level, Washer Hookup

SecuritySmoke Detector(s)