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 Del Webb Nocatee, Ponte Vedra — a gated community home in St. Johns County.

1 / 76

Pending

Pending·50 days on market·Del Webb Nocatee

80 Oyster Shell Terrace

Ponte Vedra, FL 32081

$489,000$319/sqftEst. $2,527/moMLS# 2155979

Beds

Baths

1,534

Sq Ft

2025

Built

Garage

Pool

About this home

Del Webb Nocatee

Welcome to this exceptional 2025-built villa in the highly sought-after Del Webb Nocatee 55+ community. An expanded 12' x 10' screened lanai with a gable roof and pavers provides the perfect place to relax and enjoy the home's spectacular wooded preserve, tranquil pond, and approximately one acre of protected, non-buildable green space--offering some of the community's most peaceful and private views. This meticulously upgraded home features an extended two-car garage with custom epoxy flooring, overhead storage racks, and a large-capacity water softener. A beautiful beveled glass front entry door welcomes you inside, where you'll find soaring 10-foot interior doors, 4-inch plantation shutters throughout, and custom wood blinds in the office and guest bedroom. The thoughtfully designed kitchen is a chef's dream, showcasing premium KitchenAid stainless steel appliances, an expanded designer quartz island, slide-out shelving, and a new ½-horsepower garbage disposal. Designer lighting

Cost to own

Mortgage calculator

Home Price

$489,000

Down Payment: 20%

$97,800

Interest Rate: 6.71%

Loan Term

Monthly Payment

$2,527

Principal & Interest: $2,527

Property taxes (est.): $651

Insurance (est.): $326

Estimated Total Monthly

$3,504

*30-year loan at 6.71% APR (avg 30-yr rate 2026-09-03, 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 · 6.71% · 30yr$2,527

Property taxesest. at asking price, St. Johns County$651

HOAbilled monthly$564

Estimated total, before insurance$3,742/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,769/yr · $314/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): $3,769/yr

Estimated taxes if purchased at asking price: ~$7,800/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, 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 A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

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 3, 2026Pending$489,000
Jul 17, 2026Listed$489,000

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

Features

Price$489,000

Price / Sq Ft$319

Bedrooms2

Bathrooms2.00

Full Baths2

Square Footage1,534

Acres0.12 acres

Year Built2025

TypeResidential

Sub-TypeSingle Family Residence

StyleVilla

StatusPending

# of Garages2

Has PoolNo

Is WaterfrontNo

Gated CommunityYes

55+ CommunityYes

School Information

ElementaryPalm Valley Academy

MiddlePalm Valley Academy

HighAllen D. Nease

Community Information

Address80 Oyster Shell Terrace, Ponte Vedra, FL 32081

Area272-Nocatee South

SubdivisionDel Webb Nocatee

CityPonte Vedra

CountySt. Johns

StateFL

Zip Code32081

Lot Size5,227.2 sq ft

Parcel Number0721111150

ZoningResidential

Amenities

AmenitiesPool, Other, Clubhouse, Dog Park, Fitness Center, Gated, Jogging Path, Park, Pickleball, Spa/Hot Tub, Tennis Court(s), Trash

UtilitiesCable Available, Electricity Available, Sewer Available, Water Available

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

ViewPond, Protected 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, Smart Thermostat, Walk-In Closet(s), Other

AppliancesDisposal, Gas Range, Microwave, Water Softener Owned

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile, Vinyl

# of Stories1

LevelsOne

SecurityGated with Guard