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 Crosswinds At Nocatee, Ponte Vedra — a home near Allen D. Nease High School.

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Active

Active·45 days on market·Crosswinds At Nocatee

12 Bay Lake Drive

Ponte Vedra, FL 32081

$709,900$291/sqftEst. $3,650/moMLS# 2155765

Beds

Baths

2,442

Sq Ft

2025

Built

Garage

Pool

About this home

Crosswinds At Nocatee

Stunning like-new Riverside Liberty plan in the desirable Crosswinds community of Nocatee. This 4-bedroom, 3.5-bath home offers 2442 sq ft of spacious living on an oversized lot with a fantastic upper-level owner's suite boasting picturesque lake views. The gourmet kitchen is a chef's dream, featuring crisp white cabinets and top-tier finishes. LVP flooring flows seamlessly throughout the home, enhancing the open, airy feel, while the 12-ft sliding glass doors bring in abundant natural light and offer direct access to the private, fenced-in backyard. Enjoy outdoor living on the large covered screened lanai, with no rear neighbors for ultimate privacy. The owner's suite is a true retreat, with an expanded sitting area that maximizes lake views and tranquility. The suite's en-suite bath is beautifully appointed featuring both a shower and soaking tub and the oversized walk-in closet provides ample storage space.

Cost to own

Mortgage calculator

Home Price

$709,900

Down Payment: 20%

$141,980

Interest Rate: 6.66%

Loan Term

Monthly Payment

$3,650

Principal & Interest: $3,650

Property taxes (est.): $945

Insurance (est.): $473

Estimated Total Monthly

$5,068

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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 · 6.66% · 30yr$3,650

Property taxesest. at asking price, St. Johns County$945

HOAbilled annually$79

Estimated total, before insurance$4,673/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,808/yr · $317/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): $3,808/yr

Estimated taxes if purchased at asking price: ~$11,300/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 C

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

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

Aug 28, 2026Price change$709,900−$10,000
Aug 10, 2026Price change$719,900−$10,000
Jul 16, 2026Listed$729,900

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

Features

Price$709,900

Price / Sq Ft$291

Bedrooms4

Bathrooms3.50

Full Baths3

Half Baths1

Square Footage2,442

Acres0.16 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

Address12 Bay Lake Drive, Ponte Vedra, FL 32081

Area272-Nocatee South

SubdivisionCrosswinds At Nocatee

CityPonte Vedra

CountySt. Johns

StateFL

Zip Code32081

Lot Size6,969.6 sq ft

Parcel Number0721120950

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

Interior

Interior FeaturesCeiling Fan(s), Eat-in Kitchen, Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Tub with Shower, Split Bedrooms, Walk-In Closet(s)

AppliancesConvection Oven, Dishwasher, Disposal, Gas Cooktop, Microwave, Tankless Water Heater

HeatingCentral

CoolingCentral Air

FlooringCarpet, Vinyl

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, In Unit, Upper Level, Washer Hookup

Spa FeaturesCommunity