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

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Active

Active·3 days on market·Del Webb Nocatee

440 Curved Bay Trail

Ponte Vedra, FL 32081

$1,025,000$370/sqftEst. $5,286/moMLS# 2158634

Beds

Baths

2,770

Sq Ft

2023

Built

Garage

Pool

About this home

Del Webb Nocatee

MODEL-LIKE RENOWN ON A PRIVATE PRESERVE LOT! Welcome to this beautifully upgraded Renown model, perfectly positioned on one of DWN most desirable private preserve homesites. Offering exceptional privacy and plenty of room to create your dream outdoor oasis, the backyard easily accommodates a custom pool, expanded lanai, or spectacular outdoor living space. From the moment you arrive, you'll appreciate the pride of ownership. Barely lived in and impeccably maintained, this home shows like a model. Inside, you'll find luxury vinyl plank flooring, NO CARPET, upgraded interior paint, 5-inch baseboards, tray ceilings, designer draperies, and surround sound in the living room and flex room. The chef's kitchen is beautifully appointed with KitchenAid stainless steel appliances, crisp white cabinetry, and a stylish white tile backsplash. The private flex room is ideal for working from home, featuring insulated walls for added sound reduction and a hardwired internet connection.

Cost to own

Mortgage calculator

Home Price

$1,025,000

Down Payment: 20%

$205,000

Interest Rate: 6.69%

Loan Term

Monthly Payment

$5,286

Principal & Interest: $5,286

Property taxes (est.): $1,364

Insurance (est.): $683

Estimated Total Monthly

$7,333

*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$5,286

Property taxesest. at asking price, St. Johns County$1,364

HOAbilled monthly$344

Estimated total, before insurance$6,994/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$12,598/yr · $1,050/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): $12,598/yr

Estimated taxes if purchased at asking price: ~$16,400/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.

Hurricane evacuation zone A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: material not specified — year not disclosed (home built 2023)

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 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$1,025,000

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

Features

Price$1,025,000

Price / Sq Ft$370

Bedrooms3

Bathrooms3.50

Full Baths3

Half Baths1

Square Footage2,770

Acres0.23 acres

Year Built2023

TypeResidential

Sub-TypeSingle Family Residence

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontNo

Gated CommunityYes

55+ CommunityYes

Community Information

Address440 Curved Bay Trail, Ponte Vedra, FL 32081

Area272-Nocatee South

SubdivisionDel Webb Nocatee

CityPonte Vedra

CountySt. Johns

StateFL

Zip Code32081

Lot Size10,018.8 sq ft

Parcel Number0721111670

Amenities

AmenitiesPool, Other, Clubhouse, Fitness Center, Gated, Maintenance Grounds, Management - Full Time, Management- On Site, Pickleball, Security, Spa/Hot Tub, Tennis Court(s)

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

Water SourcePublic

ParkingGarage, Garage Door Opener

ViewProtected Preserve, Trees/Woods

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Butler Pantry, Eat-in Kitchen, Entrance Foyer, His and Hers Closets, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Primary Downstairs, Smart Thermostat, Walk-In Closet(s)

AppliancesConvection Oven, Dishwasher, Disposal, Dryer, Electric Oven, Freezer, Gas Cooktop, Gas Water Heater, Microwave, Plumbed For Ice Maker, Refrigerator, Tankless Water Heater, Washer, Water Softener Owned

HeatingCentral

CoolingCentral Air

FlooringVinyl

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Gas Dryer Hookup, Washer Hookup

SecurityCarbon Monoxide Detector(s), Gated with Guard, Security Gate, Smoke Detector(s)

Spa FeaturesCommunity