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537 Stone Ridge Drive

Ponte Vedra, FL 32081

$829,000$323/sqftEst. $4,412/moMLS# 2155004

Beds

Baths

2,567

Sq Ft

2018

Built

Garage

Yes

Pool

About this home

Ponte Vedra

Located in the Crossing at Twenty Mile. Move-in condition, extensive builder improvements and post construction/capital improvements. Energy Star Rated with 4 separate HVAC zones, controlling different areas of the home. 2633 sf, 5 bedrooms/ 4 full baths, built by Providence Homes in 2018 and still under 10 year builders warranty. Gourmet kitchen with natural gas. 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. Electric fireplace. Primary suite bedroom has upgraded alcove area, overlooking the preserve connecting to bathroom, which has a free standing shower and soaking tub. Closets galore.. Fully built out laundry room. Pelican water filtration system.

Cost to own

Mortgage calculator

Home Price

$829,000

Down Payment: 20%

$165,800

Interest Rate: 7.00%

Loan Term

Monthly Payment

$4,412

Principal & Interest: $4,412

Est. Taxes & Insurance: $1,103

Estimated Total Monthly

$5,515

*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$4,412

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

HOAbilled annually$40

Estimated total, before insurance$5,556/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

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

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 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 PoolYes

Pool FeaturesOther

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

SubdivisionNot Validd

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)