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 Reflections, Ponte Vedra — a home near Allen D. Nease High School.

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Pending

Pending·31 days on market·Reflections

88 Recollection Drive

Ponte Vedra, FL 32081

$788,708$289/sqftEst. $4,055/moMLS# 2157939

Beds

Baths

2,729

Sq Ft

2027

Built

2.5

Garage

Pool

About this home

Reflections

This Dostie Homes Royal Faulkner home is a spacious 2-story residence offering 2,729 sq. ft. of elegant living space. It features 3 bedrooms, 3.5 bathrooms, & a versatile bonus room Upon entering, you'll find a welcoming foyer that leads to a gallery and flex room, conveniently situated office and power bath at the front of the home. The heart of the home boasts an open-concept kitchen, dining, and great room, ideal for entertaining. A large covered lanai at the rear provides seamless indoor-outdoor living and outdoor entertaining space. The luxurious master suite includes an ensuite bathroom and a giant walk-in closet, offering ample storage for the homeowner. Two secondary bedrooms and a bath flank the living/kitchen & dining room. Upstairs is a large bonus room with a full bath. The covered lanai is wired, piped & plumbed for an outdoor kitchen. The 2+ car garage is ideal for your golf cart or other storage.

Cost to own

Mortgage calculator

Home Price

$788,708

Down Payment: 20%

$157,742

Interest Rate: 6.66%

Loan Term

Monthly Payment

$4,055

Principal & Interest: $4,055

Property taxes (est.): $1,050

Insurance (est.): $526

Estimated Total Monthly

$5,630

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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 · 6.66% · 30yr$4,055

Property taxesest. at asking price, St. Johns County$1,050

HOAbilled annually$70

Estimated total, before insurance$5,174/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,356/yr · $363/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): $4,356/yr

Estimated taxes if purchased at asking price: ~$12,600/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 2027)

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

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 31, 2026Listed$788,708

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

Features

Price$788,708

Price / Sq Ft$289

Bedrooms3

Bathrooms3.50

Full Baths3

Half Baths1

Square Footage2,729

Acres0.17 acres

Year Built2027

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionTo Be Built

StatusPending

# of Garages2.5

Has PoolNo

Is WaterfrontNo

New ConstructionYes

Direction FacesWest

School Information

ElementaryPine Island Academy

MiddlePine Island Academy

HighAllen D. Nease

Community Information

Address88 Recollection Drive, Ponte Vedra, FL 32081

Area272-Nocatee South

SubdivisionReflections

CityPonte Vedra

CountySt. Johns

StateFL

Zip Code32081

Lot Size7,405.2 sq ft

Parcel Number0705032370

ZoningSingle Family

Amenities

AmenitiesPool, Children's Pool, Dog Park, Fitness Center, Maintenance Grounds, Park, Pickleball, Playground

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

SewerPublic Sewer

Water SourcePublic

Green / EnergyConstruction

ParkingAdditional Parking, Garage, Garage Door Opener, Off Street, On Street

ViewTrees/Woods

Interior

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

AppliancesDishwasher, Disposal, Electric Oven, Gas Cooktop, Gas Water Heater, Microwave, Plumbed For Ice Maker, Tankless Water Heater

HeatingCentral

CoolingCentral Air, Split System

# of Stories2

LevelsTwo

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

SecurityCarbon Monoxide Detector(s), Security System Owned, Smoke Detector(s)