This home is in Ponte Vedra.

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Active·1 day on market

302 Vista Lake Circle

Ponte Vedra, FL 32081

$615,000$261/sqftEst. $3,273/moMLS# 2154845

Beds

Baths

2,352

Sq Ft

2019

Built

Garage

Pool

About this home

Ponte Vedra

A peaceful, zen-like retreat designed for relaxation! Lush landscaping & privacy hedges on both sides create a serene setting for quiet mornings & evening unwinding! The screened lanai with paver extension invites you to enjoy it all year-round! Inside, the home is polished & timeless with fresh interior paint (including baseboards), crown molding, & curated lighting that elevates every space. Tile floors downstairs are paired with warm wood stair treads, adding depth & character. The white kitchen is bright & welcoming with granite countertops & soft-close cabinetry, flowing seamlessly into the main living area. A front flex room with wainscoting offers versatility, while a guest bedroom & full bath downstairs add convenience. Upstairs, the primary suite has a double tray ceiling, custom closet, & spa-like bath with a soaking tub, while two bedrooms & loft are tucked away. With a park across the street & backyard that feels like a private escape, this home offers rare tranquility!

Cost to own

Mortgage calculator

Home Price

$615,000

Down Payment: 20%

$123,000

Interest Rate: 7.00%

Loan Term

Monthly Payment

$3,273

Principal & Interest: $3,273

Est. Taxes & Insurance: $818

Estimated Total Monthly

$4,092

*Estimates based on 30-year loan at 7% APR. Actual payments 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 · 7.0% · 30yr$3,273

Property taxesest. at asking price, St. Johns County$818

HOAbilled annually$79

Estimated total, before insurance$4,171/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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.

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$551,607	$514,701	—
2024	$563,630	$467,910	—
2023	$517,494	$422,729	—
2022	$432,235	$384,299	—
2021	$349,363	$349,363	—
2020	$324,334	$324,334	—

Estimated taxes if purchased at asking price: ~$9,800/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.

Hurricane evacuation zone D

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

Roof: Shingle — year not disclosed (home built 2019)

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

Solar potential: ~1,804 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

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History

Price & status history

Jul 10, 2026Listed$615,000

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

Features

Price$615,000

Price / Sq Ft$261

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,352

Acres0.18 acres

Year Built2019

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

Address302 Vista Lake Circle, Ponte Vedra, FL 32081

Area272-Nocatee South

SubdivisionLiberty Cove

CityPonte Vedra

CountySt. Johns

StateFL

Zip Code32081

Lot Size7,840.8 sq ft

Parcel Number0704910400

ZoningResidential

Amenities

AmenitiesPool, Basketball Court, Children's Pool, 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

ParkingGarage

ViewProtected Preserve, Trees/Woods

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Kitchen Island, Open Floorplan, Primary Bathroom - Shower No Tub, Primary Downstairs

AppliancesDishwasher, Disposal, Dryer, Gas Range, Gas Water Heater, Microwave, Refrigerator, Tankless Water Heater, Washer

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile, Wood

# of Stories2

LevelsTwo