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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in Crosswater Village, Ponte Vedra — a home near Allen D. Nease High School.

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Sold

Sold·Closed Aug 27, 2026·10 days on market·Recent sales in Crosswater Village·Crosswater Village

308 Vista Lake Circle

Ponte Vedra, FL 32081

$610,000sold priceListed at $619,900 · 98.4% of asking$270/sqftMLS# 2156153
4
Beds
2.5
Baths
2,256
Sq Ft
2019
Built
2
Garage
No
Pool

2 more homes for sale in Crosswater Village →Search Crosswater Village on the map

FEMA Zone XHOA $79/mo7,841 sqft lotSingle Family Residence2 stories

About this home

Crosswater Village

Beautifully updated and truly move in ready, this Energy Star Certified Providence Homes Hernando floor plan combines timeless design, flexible living spaces, and peaceful preserve views in the sought after Liberty Cove neighborhood of Crosswater at Nocatee. Offering four bedrooms, two and a half bathrooms, a first floor primary suite, a spacious loft, and room for a future pool, this thoughtfully designed home blends everyday comfort with effortless entertaining. A dramatic two story foyer welcomes you inside, where natural light and an open, inviting floor plan create an immediate sense of openness and warmth. Wood look tile flooring extends throughout the main living areas, offering the timeless beauty of hardwood with the durability and easy maintenance of tile.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$3,379
Property taxesest. at asking price, St. Johns County$812
HOAbilled annually$79
Estimated total, before insurance$4,270/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$6,634/yr · $553/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$610,000
$122,000
Loan Term
Monthly Payment
$3,379
Principal & Interest: $3,379
Property taxes (est.): $812
Insurance (est.): $407
Estimated Total Monthly
$4,597
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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.

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: ~1,802 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.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $6,634/yr

Estimated taxes if purchased at asking price: ~$9,700/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.

History

Price & status history

  • Aug 27, 2026Closed$619,900
  • Aug 25, 2026Pending$619,900
  • Aug 25, 2026Active$619,900
  • Jul 30, 2026Active Under Contract$619,900
  • Jul 20, 2026Listed$619,900

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

Closed sales

What sold nearby

Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $297/sq ft; this home is listed at $275/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
453 Vista Lake Circle, Ponte Vedra, FL 32081Listed by KELLER WILLIAMS ST JOHNSSep 2026$505,000$2873/21,757370.1
513 Vista Lake Circle, Ponte Vedra, FL 32081Listed by PALM VALLEY REALTY PLLCAug 2026$495,000$3033/21,6311120.2
293 Sweet Pine Trail, Ponte Vedra, FL 32081Listed by JPAR CITY AND BEACHSep 2026$572,500$2912/21,96480.5
300 Shadow Ridge Trail, Ponte Vedra, FL 32081Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COASTSep 2026$624,250$2713/22,3054050.7
152 Constitution Drive, Ponte Vedra, FL 32081Listed by REAL BROKER LLCOct 2026$685,000$2974/22,30540.8
126 Sand Harbor Drive, Ponte Vedra, FL 32081Listed by EXP REALTY LLCSep 2026$650,000$3302/21,969311.1

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

Features

Price$619,900
Price / Sq Ft$275
Bedrooms4
Bathrooms2.50
Full Baths2
Half Baths1
Square Footage2,256
Acres0.18 acres
Year Built2019
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontNo

School Information

Community Information

Address308 Vista Lake Circle, Ponte Vedra, FL 32081
Area272-Nocatee South
SubdivisionLiberty Cove At Crosswater
CityPonte Vedra
CountySt. Johns
StateFL
Zip Code32081
Lot Size7,840.8 sq ft
Parcel Number0704910410
ZoningResidential

Amenities

AmenitiesPool, Basketball Court, Children's Pool, Dog Park, Fitness Center, Jogging Path, Park, Pickleball, Playground, Tennis Court(s), Trash
Community FeaturesSidewalks
UtilitiesCable Available, Electricity Connected, Natural Gas Connected, Sewer Connected, Water Connected
Water SourcePublic
ParkingAttached, Covered, Garage, Garage Door Opener
ViewProtected Preserve, Trees/Woods

Interior

Interior FeaturesBreakfast Bar, Built-in Features, Ceiling Fan(s), Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Walk-In Closet(s)
AppliancesDisposal, ENERGY STAR Qualified Dishwasher, ENERGY STAR Qualified Dryer, ENERGY STAR Qualified Washer, Freezer, Gas Cooktop, Gas Oven, Gas Range, Gas Water Heater, Ice Maker, Microwave, Refrigerator, Tankless Water Heater
HeatingCentral, Heat Pump, Zoned
CoolingCentral Air, Zoned
FlooringCarpet, Tile
# of Stories2
LevelsTwo
LaundryLower Level
SecuritySmoke Detector(s)

Exterior

Lot DescriptionSprinklers In Front, Sprinklers In Rear
Patio / PorchCovered, Front Porch, Patio, Rear Porch, Screened
RoofShingle
ConstructionBrick, Concrete, Fiber Cement, Frame
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedJuly 20, 2026
Days on Market10
HOA Fees$949 / Annually
HOA FrequencyAnnually
Tax Amount$6,634.32
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: SIGNATURE FIRST COAST REALTY

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

The neighborhood

About Crosswater Village

Crosswater Village is a neighborhood in Nocatee, FL (St. Johns County), ZIP 32081.

View all Crosswater Village homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Aug 27, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.

Text Krista about this saleHomes for sale nearby →

20+ years · 500+ closings · NE Florida

Curious what nearby homes sold for?

MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

Northeast Florida living

Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines