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 The Island at Twenty Mile, Ponte Vedra — a home near Ponte Vedra High School.

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Active

Active·32 days on market·The Island at Twenty Mile

537 Stone Ridge Drive

Ponte Vedra, FL 32081

$829,000$323/sqftEst. $4,275/moMLS# 2155004

Beds

Baths

2,567

Sq Ft

2018

Built

Garage

Pool

About this home

The Island at Twenty Mile

Located in the Crossing at Twenty Mile. Room for a POOL. See VIRTUAL tour. RECENTLY APPRAISED. Over $100,000 in builder/ post construction upgrades. Energy Star Rated, 4 separate HVAC zones. 2567 sf, 5 bedrooms/ 4 full baths, built by Providence Homes in 2018. Gourmet kitchen with natural gas, stub out for summer kitchen. Motorized screens transform the lanai into an open-air extension of the surrounding nature preserve. Open plan, with 4 bedrooms and 3 baths on the main level. Porcelain plank tile throughout common areas and bathrooms on main level; all toilets are comfort height. Dramatic72'' Electric fireplace. Primary bedroom has upgraded alcove area, overlooking the preserve connecting to bathroom, boasting a free standing shower, and soaking tub; flows through to WIC and built out laundry room w/sink. Pelican Water Whole House Filtration system. See Nocatee for amenities offered in water parks and Twenty Mile mile. Convenient to Schools, Shopping, Restaurants, Gym and PV Beach.

Cost to own

Mortgage calculator

Home Price

$829,000

Down Payment: 20%

$165,800

Interest Rate: 6.69%

Loan Term

Monthly Payment

$4,275

Principal & Interest: $4,275

Property taxes (est.): $1,103

Insurance (est.): $553

Estimated Total Monthly

$5,931

*30-year loan at 6.69% APR (avg 30-yr rate 2026-08-06, 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 · 6.69% · 30yr$4,275

Property taxesest. at asking price, St. Johns County$1,103

HOAbilled annually$40

Estimated total, before insurance$5,419/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$7,520/yr · $627/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): $7,520/yr

Estimated taxes if purchased at asking price: ~$13,200/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.

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 2018)

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

Solar potential: ~1,660 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.

History

Price & status history

Jul 11, 2026Listed$829,000

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

Features

Price$829,000

Price / Sq Ft$323

Bedrooms5

Bathrooms4.00

Full Baths4

Square Footage2,567

Total Structure Area3,378 sq ft

Acres0.17 acres

Year Built2018

TypeResidential

Sub-TypeSingle Family Residence

StyleCraftsman

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Direction FacesWest

School Information

ElementaryPalm Valley Academy

MiddleAlice B. Landrum

HighPonte Vedra

Community Information

Address537 Stone Ridge Drive, Ponte Vedra, FL 32081

Area271-Nocatee North

SubdivisionTwenty Mile At Nocatee

CityPonte Vedra

CountySt. Johns

StateFL

Zip Code32081

Lot Size7,405.2 sq ft

Lot Dimensions50x150

Parcel Number0680611470

Amenities

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

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Garage Door Opener

ViewProtected Preserve

Interior

Interior FeaturesCeiling Fan(s), Eat-in Kitchen, Entrance Foyer, Guest Suite, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Tub with Shower, Primary Bathroom -Tub with Separate Shower, Smart Thermostat, Split Bedrooms

AppliancesDishwasher, Disposal, Electric Oven, ENERGY STAR Qualified Water Heater, Gas Cooktop, Gas Range, Gas Water Heater, Ice Maker, Microwave, Tankless Water Heater, Water Softener Owned

HeatingCentral, Electric

CoolingCentral Air, Electric, Multi Units

FlooringCarpet, Tile

FireplaceYes

Fireplace FeaturesElectric

# of Stories2

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

SecuritySmoke Detector(s)