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308 Vista Lake Circle

Ponte Vedra, FL 32081

$619,900$275/sqftEst. $3,151/moMLS# 2156153

Beds

Baths

2,256

Sq Ft

2019

Built

Garage

Pool

About this home

Ponte Vedra

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

Mortgage calculator

Home Price

$619,900

Down Payment: 20%

$123,980

Interest Rate: 6.55%

Loan Term

Monthly Payment

$3,151

Principal & Interest: $3,151

Est. Taxes & Insurance: $788

Estimated Total Monthly

$3,939

*Estimates based on 30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, Freddie Mac PMMS via FRED). 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 · 6.55% · 30yr$3,151

Property taxesest. at asking price, St. Johns County$825

HOAbilled annually$79

Estimated total, before insurance$4,055/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): $6,634/yr

Estimated taxes if purchased at asking price: ~$9,900/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.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

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

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 20, 2026Listed$619,900

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

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

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

School Information

ElementaryPine Island Academy

MiddlePine Island Academy

HighAllen D. Nease

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

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)