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This home is in Twenty Mile Village, Ponte Vedra — a waterfront home in Nocatee.

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Sold

Sold·Closed Sep 30, 2026·35 days on market·Recent sales in Twenty Mile Village·Twenty Mile Village

109 Whisper Rock Drive

Ponte Vedra, FL 32081

$812,000sold priceListed at $830,000 · 97.8% of asking$324/sqftMLS# 2156944

Beds

Baths

2,503

Sq Ft

2016

Built

Garage

Pool

8 more homes for sale in Twenty Mile Village →Search Twenty Mile Village on the map

FEMA Zone XHOA $40/mo7,841 sqft lotWaterfrontSingle Family Residence1 story

About this home

Twenty Mile Village

Discover lakefront living in the highly sought-after Twenty Mile at Nocatee. This beautifully maintained 4-bedroom, 3-bathroom home welcomes you with an inviting front patio and continues to impress with tile flooring throughout, elegant crown molding, and a bright, open layout designed for comfortable everyday living and entertaining. The spacious great room is filled with natural light and showcases wide lake views, creating a relaxing backdrop for daily life. The well-appointed kitchen features a large island with breakfast bar seating, abundant counter space, stainless steel appliances, a pantry with built-in storage, and a convenient built-in desk. The adjacent dining area flows seamlessly into the living space, while a separate front living room with a fireplace and custom built-in shelving and cabinetry offers the perfect spot for a home office, reading room, or additional gathering space.

Next steps in Twenty Mile Village

Cost to own

True monthly cost

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

Principal & interest20% down · 7.32% · 30yr$4,462

Property taxesest. at asking price, St. Johns County$1,080

HOAbilled annually$40

Estimated total, before insurance$5,583/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$7,477/yr · $623/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).

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 2016)

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

Solar potential: ~1,735 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.

Around this address

Nearby, from public data

The closest public beach, park, water access, league fields and grocery store from this home's location.

Closest beach parking
Guana Reserve beach lot (north)
about 4 mi · 70 parking spaces
Closest park or preserve
Nocatee Preserve
about 1 mi · 2,378 acres
Closest public boat ramp
Palm Valley Public Landing
about 2 mi · Tolomato River
Closest kayak & paddleboard launch
Nocatee Trail Paddlecraft Launch at Palm Valley Bridge
about 1 mi · Intracoastal Waterway
Closest youth league fields
Davis Park
about 1 mi · Baseball, Football, Lacrosse, Softball, Soccer
Closest grocery store
Publix
about 1 mi · 250 Pine Lake Dr, Ponte Vedra

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $7,477/yr

Estimated taxes if purchased at asking price: ~$13,000/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

Sep 30, 2026Closed$830,000
Aug 31, 2026Active Under Contract$830,000
Jul 24, 2026Listed$830,000

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 $310/sq ft; this home is listed at $332/sq ft.

Address	Closed	Price	$/sq ft	Bd/Ba	Sq ft	DOM	Miles
140 Whisper Rock Drive, Ponte Vedra, FL 32081Listed by IMAGINE REAL ESTATE LLC	Jul 2026	$784,000	$309	4/4	2,534	105	0
537 Stone Ridge Drive, Ponte Vedra, FL 32081Listed by HOMECOIN.COM	Oct 2026	$797,000	$310	5/4	2,567	89	0.2
20 Bison Trail, Ponte Vedra, FL 32081Listed by RE/MAX UNLIMITED	Oct 2026	$560,000	$242	3/3.5	2,315	76	0.3
81 Bison Trail, Ponte Vedra, FL 32081Listed by RE/MAX UNLIMITED	Aug 2026	$750,000	$315	3/2.5	2,379	19	0.3
85 Parkbluff Circle, Ponte Vedra, FL 32081Listed by REALTY ONE GROUP ELEVATE	Aug 2026	$755,000	$339	4/3	2,225	10	0.7
213 Jackrabbit Trail, Ponte Vedra, FL 32081Listed by FLORIDA HOMES REALTY & MTG LLC	Oct 2026	$690,000	$276	4/2.5	2,498	14	0.8

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$830,000

Price / Sq Ft$332

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,503

Acres0.18 acres

Year Built2016

TypeResidential

Sub-TypeSingle Family Residence

StatusClosed

# of Garages2

Has PoolNo

Is WaterfrontYes

School Information

This listingNo schools reported in the MLS

ElementaryPalm Valley Academy, reported on 72 other Twenty Mile At Nocatee listings

MiddlePalm Valley Academy, reported on 63 other Twenty Mile At Nocatee listings

HighAllen D. Nease, reported on 74 other Twenty Mile At Nocatee listings

County schoolsSt. Johns County Schools

ConfirmAssignments come from listing agents and zones change; confirm the address with the school district.

Community Information

Address109 Whisper Rock Drive, Ponte Vedra, FL 32081

Area271-Nocatee North

SubdivisionTwenty Mile At Nocatee

CityPonte Vedra

CountySt. Johns

StateFL

Zip Code32081

Lot Size7,840.8 sq ft

Parcel Number0680610630

Amenities

AmenitiesPool, Children's Pool, Clubhouse, Fitness Center, Jogging Path, Playground, Tennis Court(s)

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAdditional Parking, Attached, Garage

ViewLake, Water

Waterfront TypeLake Front

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Kitchen Island, Open Floorplan, Primary Bathroom - Shower No Tub, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Dryer, Gas Range, Gas Water Heater, Microwave, Refrigerator, Tankless Water Heater, Washer

HeatingCentral

CoolingCentral Air

FlooringTile

# of Stories1

LevelsOne

SecuritySmoke Detector(s)

Exterior

Patio / PorchPatio, Screened

RoofShingle

ConstructionFrame

Road SurfaceAsphalt

Additional Information

Date ListedJuly 24, 2026

Days on Market35

HOA Fees$485 / Annually

HOA FrequencyAnnually

Tax Amount$7,476.59

Tax Year2025

Listing TermsCash, Conventional, FHA, VA Loan

55+ CommunityNo

New ConstructionNo

Listing Courtesy of: REDFIN CORPORATION

Sold by: RUSH REALTY GROUP, LLC (buyer's brokerage)

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 Twenty Mile Village

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

View all Twenty Mile Village homes for sale →

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