This home is in Settlers Landing, Ponte Vedra.

1 / 56

Active

Active·Listed today·Settlers Landing

414 Settlers Landing Drive

Ponte Vedra, FL 32081

$650,000$279/sqftEst. $3,314/moMLS# 2157074

Beds

Baths

2,326

Sq Ft

2022

Built

Garage

Pool

About this home

Settlers Landing

Welcome to this beautifully maintained David Weekley McLenaghan home in the highly sought-after Settlers Landing neighborhood of Nocatee. Offering over 2,300 square feet, this thoughtfully designed floor plan features four bedrooms, two and a half bathrooms, a spacious upstairs loft, and a first-floor primary suite. Designed for both everyday living and entertaining, the open-concept layout showcases soaring ceilings, abundant natural light, and a stunning chef's kitchen featuring a large quartz island, white cabinetry, built-in stainless appliances, gas cooktop, herringbone tile backsplash, and generous counter space overlooking the dining and living areas. The spacious first-floor primary suite offers a relaxing retreat with dual vanities, oversized walk-in shower, and large walk-in closet. Upstairs, you'll find three additional bedrooms, a full bath, and a versatile loft that works perfectly as a media room, playroom, or home office.

Cost to own

Mortgage calculator

Home Price

$650,000

Down Payment: 20%

$130,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$3,314

Principal & Interest: $3,314

Property taxes (est.): $865

Insurance (est.): $433

Estimated Total Monthly

$4,612

*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$3,314

Property taxesest. at asking price, St. Johns County$865

HOAbilled annually$58

Estimated total, before insurance$4,237/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$7,170/yr · $598/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): $7,170/yr

Estimated taxes if purchased at asking price: ~$10,400/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.

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 25, 2026Listed$650,000

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

Features

Price$650,000

Price / Sq Ft$279

Bedrooms4

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage2,326

Acres0.13 acres

Year Built2022

TypeResidential

Sub-TypeSingle Family Residence

StyleContemporary

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

School Information

ElementaryPine Island Academy

MiddlePine Island Academy

HighAllen D. Nease

Community Information

Address414 Settlers Landing Drive, Ponte Vedra, FL 32081

Area272-Nocatee South

SubdivisionSettlers Landing

CityPonte Vedra

CountySt. Johns

StateFL

Zip Code32081

Lot Size5,662.8 sq ft

Lot Dimensions49x146x39x142

Parcel Number0704952470

ZoningPUD

Amenities

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

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

Water SourcePublic

ParkingAttached

ViewProtected Preserve, Trees/Woods