Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

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

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Active·Listed today·Greenleaf Village

620 Howland Drive

Ponte Vedra, FL 32081

$599,999$254/sqftEst. $3,059/moMLS# 2157316

Beds

Baths

2,364

Sq Ft

2014

Built

Garage

Pool

About this home

Greenleaf Village

Modern comfort meets peaceful outdoor living in this thoughtfully designed home featuring beautiful pond views and a spacious backyard. The open-concept floor plan showcases tray ceilings, recessed lighting, elegant white columns, gorgeous tiling and wood-look vinyl flooring, and timeless neutral finishes throughout. The kitchen is both stylish and functional with granite countertops, white shaker cabinetry, stainless steel appliances, a gas range, pantry, and breakfast bar overlooking the living spaces. Upstairs, an expansive loft offers flexible bonus space, while the primary suite impresses with dual vanities, custom mirrors, a soaking tub, walk-in shower, and direct access to two oversized walk-in closets. French doors lead to a covered patio overlooking lush landscaping and tranquil water views. Complete with a two-car garage, large driveway, and resort style amenities including a clubhouse, fitness center, pool, ziplining, tennis and basketball courts, parks, and playgrounds

Cost to own

Mortgage calculator

Home Price

$599,999

Down Payment: 20%

$120,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$3,059

Principal & Interest: $3,059

Property taxes (est.): $798

Insurance (est.): $400

Estimated Total Monthly

$4,258

*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$3,059

Property taxesest. at asking price, St. Johns County$798

HOAbilled annually$20

Estimated total, before insurance$3,878/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.

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: material not specified — year not disclosed (home built 2014)

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

Solar potential: ~1,667 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