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This home is in West End, Ponte Vedra.

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Active

Active·1 day on market·West End

22 Upton Lane

Ponte Vedra, FL 32081

$525,000$290/sqftEst. $2,677/moMLS# 2156934
3
Beds
2
Baths
1,809
Sq Ft
2022
Built
2
Garage
No
Pool

About this home

West End

Experience the best of the Nocatee lifestyle in this great Dostie Homes Savoy Floorplan located in the highly desirable West End community. This floorplan offers the perfect blend of low-maintenance living, designer finishes, and modern Florida style! Ideally located just a short walk, bike ride, or golf cart ride to the Nocatee Town Center, you'll enjoy convenient access to popular restaurants, shopping, fitness studios, coffee shops, and all of the award-winning Nocatee amenities. This beautifully designed single-story attached villa features 3 bedrooms, 2 full baths, an office, and an open-concept layout with no wasted space. Nicely upgraded and ready for someone to come enjoy the easy Florida lifestyle or a second home retreat. The gourmet kitchen is the heart of the home and features stylish cabinetry, all appliances included, a spacious entertaining island, and seamless flow into the dining area, family room, and private side patio -- creating the perfect setup for entertaining

Cost to own

Mortgage calculator

$525,000
$105,000
Loan Term
Monthly Payment
$2,677
Principal & Interest: $2,677
Property taxes (est.): $699
Insurance (est.): $350
Estimated Total Monthly
$3,725
*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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 · 6.58% · 30yr$2,677
Property taxesest. at asking price, St. Johns County$699
HOAbilled annually$180
Estimated total, before insurance$3,555/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$6,174/yr · $514/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): $6,174/yr

Estimated taxes if purchased at asking price: ~$8,400/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.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: Shingle — year not disclosed (home built 2022)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Public water · JEA

Municipal drinking water from JEA per the county inventory.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,750 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.

History

Price & status history

  • Jul 24, 2026Listed$525,000

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

Features

Price$525,000
Price / Sq Ft$290
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,809
Acres0.12 acres
Year Built2022
TypeResidential
Sub-TypeSingle Family Residence
StyleVilla
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontNo

School Information

Community Information

Address22 Upton Lane, Ponte Vedra, FL 32081
Area272-Nocatee South
SubdivisionWest End At Town Center
CityPonte Vedra
CountySt. Johns
StateFL
Zip Code32081
Lot Size5,227.2 sq ft
Lot Dimensions41.5x121
Parcel Number0680481060
ZoningResidential

Amenities

AmenitiesPool, Basketball Court, Children's Pool, Dog Park, Fitness Center, Jogging Path, Pickleball, Playground, Tennis Court(s)
UtilitiesCable Connected, Natural Gas Connected, Sewer Connected, Water Connected
Water SourcePublic
ParkingAttached, Garage, On Street

Interior

Interior FeaturesBreakfast Bar, Eat-in Kitchen, Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub
AppliancesDishwasher, Disposal, Dryer, Electric Oven, Gas Range, Gas Water Heater, Microwave, Refrigerator, Tankless Water Heater, Washer/Dryer Stacked, Water Softener Owned
HeatingCentral, Electric
CoolingCentral Air, Electric
FlooringCarpet
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, In Unit, Washer Hookup
SecuritySmoke Detector(s)

Exterior

Lot DescriptionSprinklers In Front
Patio / PorchCovered, Patio
FencingFenced, Wrought Iron
RoofShingle
ConstructionComposition Siding
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedJuly 24, 2026
Days on Market0
HOA Fees$2,160 / Annually
HOA FrequencyAnnually
HOA NameWEST END VILLAS HOA
Tax Amount$6,173.68
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

The neighborhood

About West End

West End is a neighborhood in Nocatee, FL (St. Johns County), ZIP 32081.

View all West End homes for sale →

Listing Courtesy of: RE/MAX UNLIMITED

Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.

Text Krista about this home

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

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