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 Riverwood, Ponte Vedra — a 55+ community home in Nocatee.

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Active

Active·Listed today·Riverwood

96 Cypress Grove Trail

Ponte Vedra, FL 32081

$549,900$286/sqftEst. $2,830/moMLS# 2157591

Beds

Baths

1,922

Sq Ft

2013

Built

Garage

Pool

About this home

Riverwood

One of the most desirable homesites in Del Webb Ponte Vedra! Tucked away on a quiet cul-de-sac with neighbors on only one side, this move-in-ready home offers an exceptional combination of privacy, peaceful lake views, and a beautiful preserve backdrop--creating a setting that is truly hard to find. The popular Willow Bend floor plan features 2 bedrooms, 2 baths, plus a versatile flex room ideal for a home office, den, library, or hobby space. The spacious eat-in kitchen offers granite countertops, abundant cabinetry, and a sunny breakfast nook, while the adjoining dining and living areas flow seamlessly to the screened lanai--the perfect place to relax, entertain, and enjoy the tranquil lake and preserve views. The spacious primary suite features an ensuite bath with a zero-entry walk-in tiled shower, decorative accent band, built-in bench, double vanity, and oversized walk-in closet. A private guest bedroom and full bath provide comfortable accommodations for visiting family and fr

Cost to own

Mortgage calculator

Home Price

$549,900

Down Payment: 20%

$109,980

Interest Rate: 6.67%

Loan Term

Monthly Payment

$2,830

Principal & Interest: $2,830

Property taxes (est.): $732

Insurance (est.): $367

Estimated Total Monthly

$3,928

*30-year loan at 6.67% APR (avg 30-yr rate 2026-08-13, 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 · 6.67% · 30yr$2,830

Property taxesest. at asking price, St. Johns County$732

HOAbilled monthly$245

Estimated total, before insurance$3,807/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,549/yr · $462/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): $5,549/yr

Estimated taxes if purchased at asking price: ~$8,800/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 2013)

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

Solar potential: ~1,725 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

Aug 13, 2026Active$549,900
Jul 28, 2026Listed$549,900

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

Features

Price$549,900

Price / Sq Ft$286

Bedrooms2

Bathrooms2.00

Full Baths2

Square Footage1,922

Total Structure Area2,616 sq ft

Acres0.22 acres

Year Built2013

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch, Traditional

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Gated CommunityYes

55+ CommunityYes

Community Information

Address96 Cypress Grove Trail, Ponte Vedra, FL 32081

Area272-Nocatee South

SubdivisionRiverwood By Del Webb

CityPonte Vedra

CountySt. Johns

StateFL

Zip Code32081

Lot Size9,583.2 sq ft

Parcel Number0702491050

ZoningResidential

Amenities

AmenitiesPool, Clubhouse, Fitness Center, Gated, Golf Course, Jogging Path, Park, Pickleball, Sauna, Security, Spa/Hot Tub, Tennis Court(s)

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage

ViewProtected Preserve

Interior

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

AppliancesDishwasher, Disposal, Electric Cooktop, Electric Oven, Electric Water Heater, Ice Maker, Microwave, Refrigerator

HeatingCentral, Electric

CoolingCentral Air, Electric

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, In Unit, Lower Level, Washer Hookup

SecurityGated with Guard, Security Gate