This home is in Ponte Vedra.

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Active

Active·Listed today

118 Vista Lake Circle

Ponte Vedra, FL 32081

$610,000$279/sqftEst. $3,110/moMLS# 2157052

Beds

Baths

2,187

Sq Ft

2018

Built

Garage

Pool

About this home

Ponte Vedra

Welcome to 118 Vista Lake Circle. This 4 Bedroom, 3 full bath home features a gourmet kitchen with gas cooktop, stainless steel appliances, open floorplan, dining area, family room, one bedroom and full bathroom downstairs. Upstairs you will find two additional bedrooms and one two full bathrooms and laundry room. Nicely upgraded and built by ICI in this quaint smaller Liberty Cove neighborhood of Nocatee. Close proximity to the neighborhood (Crosswater) pools, park, and golf cart path. Take the golf cart path to the Waterparks, pickleball courts or dinner at the Nocatee Town Center. Zoned for St Johns County Schools which are the number one school district in Florida.

Cost to own

Mortgage calculator

Home Price

$610,000

Down Payment: 20%

$122,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$3,110

Principal & Interest: $3,110

Property taxes (est.): $812

Insurance (est.): $407

Estimated Total Monthly

$4,329

*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$3,110

Property taxesest. at asking price, St. Johns County$812

HOAbilled annually$79

Estimated total, before insurance$4,001/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$6,520/yr · $543/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): $6,520/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.

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 2018)

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

Solar potential: ~1,795 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 25, 2026Listed$610,000

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

Features

Price$610,000

Price / Sq Ft$279

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,187

Acres0.11 acres

Year Built2018

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

Address118 Vista Lake Circle, Ponte Vedra, FL 32081

Area272-Nocatee South

SubdivisionLiberty Cove At Crosswater

CityPonte Vedra

CountySt. Johns

StateFL

Zip Code32081

Lot Size4,791.6 sq ft

Parcel Number0704910150

ZoningResidential

Amenities

AmenitiesPool, Children's Pool, Dog Park, Fitness Center, Jogging Path, Park, Pickleball, Playground, Tennis Court(s)

UtilitiesCable Available, Electricity Available, Natural Gas Available, Sewer Available, Sewer Connected, Water Available, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Garage Door Opener

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Guest Suite, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Smart Thermostat, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Gas Cooktop, Microwave, Refrigerator, Tankless Water Heater, Washer

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, Washer Hookup

SecurityCarbon Monoxide Detector(s), Smoke Detector(s)