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

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Active

Active·Listed today·Greenleaf Lakes

195 Citrus Ridge Drive

Ponte Vedra, FL 32081

$935,000$298/sqftEst. $4,822/moMLS# 2159285

Beds

Baths

3,134

Sq Ft

2014

Built

Garage

Yes

Pool

About this home

Greenleaf Lakes

Experience the best of Florida living in this beautifully appointed 3,134-square-foot home featuring 4 bedrooms, 3 baths, a 3-car garage, and a private backyard oasis with a screened, heated saltwater pool and covered lanai with a summer kitchen--perfect for year-round relaxation and entertaining. Thoughtfully designed to balance refined style with everyday comfort, the home also offers a dedicated office (which is the nonconforming 4th bedroom), elegant formal dining room, and a spacious upstairs bonus room ideal for a media room, guest retreat, or flexible living space. At the heart of the home, the spacious kitchen showcases granite countertops, a natural gas range, double ovens, and abundant prep and storage space. Additional upgrades include a tankless water heater, woodwork and accent walls, updated lighting, new exterior paint, a fully fenced backyard, and surround sound in both the living room and covered patio.

Cost to own

Mortgage calculator

Home Price

$935,000

Down Payment: 20%

$187,000

Interest Rate: 6.69%

Loan Term

Monthly Payment

$4,822

Principal & Interest: $4,822

Property taxes (est.): $1,244

Insurance (est.): $623

Estimated Total Monthly

$6,689

*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$4,822

Property taxesest. at asking price, St. Johns County$1,244

HOAbilled annually$42

Estimated total, before insurance$6,107/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$8,326/yr · $694/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): $8,326/yr

Estimated taxes if purchased at asking price: ~$14,900/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.

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 2014)

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

Solar potential: ~1,801 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 8, 2026Listed$935,000

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

Features

Price$935,000

Price / Sq Ft$298

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage3,134

Acres2.71 acres

Year Built2014

TypeResidential

Sub-TypeSingle Family Residence

StatusActive

# of Garages3

Has PoolYes

Pool FeaturesIn Ground, Electric Heat, Heated, Salt Water, Screen Enclosure

Is WaterfrontNo

School Information

ElementaryValley Ridge Academy

MiddleValley Ridge Academy

HighAllen D. Nease

Community Information

Address195 Citrus Ridge Drive, Ponte Vedra, FL 32081

Area272-Nocatee South

SubdivisionGreenleaf Lakes

CityPonte Vedra

CountySt. Johns

StateFL

Zip Code32081

Lot Size118,047.6 sq ft

Parcel Number0232300020

ZoningResidential

Amenities

AmenitiesPool, Basketball Court, Children's Pool, Clubhouse, Dog Park, Fitness Center, Jogging Path, Park, Pickleball, Playground, Tennis Court(s)

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

SewerPublic Sewer

Water SourcePublic

ParkingGarage

ViewPool

Interior

Interior FeaturesBreakfast Bar, Eat-in Kitchen, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)

AppliancesDouble Oven, Dryer, Gas Cooktop, Refrigerator, Tankless Water Heater, Washer

HeatingCentral

CoolingCentral Air

FlooringTile

# of Stories2

LevelsTwo

LaundryIn Unit, Lower Level

SecuritySmoke Detector(s)