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 Tidewater, Ponte Vedra — a gated community home in St. Johns County.

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Active

Active·3 days on market·Tidewater

48 Falling Water Court

Ponte Vedra, FL 32081

$495,000$234/sqftEst. $2,553/moMLS# 2158607

Beds

Baths

2,117

Sq Ft

2019

Built

Garage

Pool

About this home

Tidewater

Imagine waking up every day feeling like you're on vacation. That's the Nocatee lifestyle, and it could be yours! This like-new, turnkey 4-bedroom condo offers the low-maintenance living you've been looking for, leaving more time to enjoy this award-winning community. The open-concept layout is perfect for entertaining, while the gourmet kitchen features stainless steel appliances, granite countertops, upgraded white cabinetry, and abundant storage. A private first-floor bedroom with an adjoining half bath is ideal for guests, multigenerational living, or a home office. Designer finishes include porcelain tile flooring, crown molding, custom mirrors, and upgraded fixtures throughout. Enjoy resort-style amenities, trails, parks, shopping, dining, and top-rated St. Johns County schools. PLUS the seller is willing to contribute toward buyer closing costs, allowing qualified financed buyers to buy down their rate. Skip the wait for new construction and start living the Nocatee life!

Cost to own

Mortgage calculator

Home Price

$495,000

Down Payment: 20%

$99,000

Interest Rate: 6.69%

Loan Term

Monthly Payment

$2,553

Principal & Interest: $2,553

Property taxes (est.): $659

Insurance (est.): $330

Estimated Total Monthly

$3,541

*30-year loan at 6.69% APR (avg 30-yr rate 2026-08-06, 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 · 6.69% · 30yr$2,553

Property taxesest. at asking price, St. Johns County$659

HOAbilled monthly$499

Estimated total, before insurance$3,710/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$7,845/yr · $654/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): $7,845/yr

Estimated taxes if purchased at asking price: ~$7,900/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 2019)

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

Sewer & public water · JEA

County records show this parcel on central sewer served by JEA — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,773 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 August 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

Aug 5, 2026Listed$495,000

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

Features

Price$495,000

Price / Sq Ft$234

Bedrooms4

Bathrooms3.00

Full Baths2

Half Baths2

Square Footage2,117

Year Built2019

TypeResidential

Sub-TypeSingle Family Residence

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Gated CommunityYes

Community Information

Address48 Falling Water Court, Ponte Vedra, FL 32081

Area272-Nocatee South

SubdivisionTidewater

CityPonte Vedra

CountySt. Johns

StateFL

Zip Code32081

Parcel Number0702702003

Amenities

AmenitiesPool, Basketball Court, Children's Pool, Fitness Center, Gated, Jogging Path, Maintenance Grounds, Park, Pickleball, Playground, Tennis Court(s), Trash

UtilitiesCable Available, Electricity Available, Sewer Connected, Water Available

SewerPrivate Sewer

Water SourcePublic

ParkingAttached, Garage, Guest

ViewProtected Preserve