This home is in Del Webb Nocatee, Ponte Vedra.

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Active·Listed today·Del Webb Nocatee

282 Timber Light Trail

Ponte Vedra, FL 32081

$745,000$353/sqftEst. $3,787/moMLS# 2156637

Beds

Baths

2,110

Sq Ft

2023

Built

Garage

Pool

About this home

Del Webb Nocatee

Welcome to meticulously maintained luxury at its finest, featuring sophisticated updates throughout in the heart of Ponte Vedra. This elevated 3-bedroom, 3-full-bath residence, plus a dedicated office with French doors, offers the perfect blend of timeless elegance and modern functionality. Enjoy a spacious two-car garage and a serene, fenced preserve backyard--your private oasis for morning coffee, evening relaxation, or gracious entertaining on the screened, paver lanai and Florida room. Step inside Del Webb Nocatee, where 55+ living is elevated to an exceptional level. This gated active adult community offers a resort-inspired lifestyle centered around the impressive Canopy Club. Relax by the sparkling resort-style pool with lap lanes, enjoy friendly pickleball matches, or stay active in the state-of-the-art fitness center. The on-site Tavern & Grill is the perfect place to gather with neighbors, while a full calendar of clubs, events, and activities ensures every day offers

Cost to own

Mortgage calculator

Home Price

$745,000

Down Payment: 20%

$149,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$3,787

Principal & Interest: $3,787

Property taxes (est.): $991

Insurance (est.): $497

Estimated Total Monthly

$5,275

*30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, 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 · 6.55% · 30yr$3,787

Property taxesest. at asking price, St. Johns County$991

HOAbilled monthly$344

Estimated total, before insurance$5,122/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): $10,456/yr

Estimated taxes if purchased at asking price: ~$11,900/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.

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: material not specified — year not disclosed (home built 2023)

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