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

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Active

Active·3 days on market·Reflections

76 Owenlee Drive

Ponte Vedra, FL 32081

$1,295,000$447/sqftEst. $6,664/moMLS# 2159470

Beds

Baths

2,900

Sq Ft

2024

Built

2.5

Garage

Yes

Pool

About this home

Reflections

This Fully Furnished Dostie Homes Model Home, Cleary is a 2,900 sqft. home with 4 bedrooms and 4 1/2 baths. Professionally decorated with high end finishes. Oversized preserver lot. The entry welcomes guests into the foyer an d adjacent home office with coffered ceilings . The gathering room with stained oak beams and the dining room are open to the gourmet kitchen with views of the covered lanai including the outdoor kitchen and pool/spa. A large downstairs master suite has an elegant wet suite and a HUGE walk in closet that extends under the stairs! Three secondary bedrooms and three full baths are located upstairs along with bonus and media rooms. A large unconditioned walk-out storage area contains the mechanicals is conveniently located upstairs with plenty of storage for all your stuff. This executive home is ready for entertaining or large family gatherings. Home is sold AS-IS without traditional warranty.

Cost to own

Mortgage calculator

Home Price

$1,295,000

Down Payment: 20%

$259,000

Interest Rate: 6.67%

Loan Term

Monthly Payment

$6,664

Principal & Interest: $6,664

Property taxes (est.): $1,723

Insurance (est.): $863

Estimated Total Monthly

$9,251

*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$6,664

Property taxesest. at asking price, St. Johns County$1,723

HOAbilled annually$70

Estimated total, before insurance$8,458/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,586/yr · $382/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): $4,586/yr

Estimated taxes if purchased at asking price: ~$20,700/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 2024)

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 10, 2026Listed$1,295,000

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

Features

Price$1,295,000

Price / Sq Ft$447

Bedrooms4

Bathrooms4.50

Full Baths4

Half Baths1

Square Footage2,900

Total Structure Area3,975 sq ft

Acres0.18 acres

Year Built2024

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages2.5

Has PoolYes

Pool FeaturesIn Ground

Is WaterfrontNo

Direction FacesNorthwest

School Information

ElementaryPine Island Academy

MiddlePine Island Academy

HighAllen D. Nease

Community Information

Address76 Owenlee Drive, Ponte Vedra, FL 32081

Area272-Nocatee South

SubdivisionReflections

CityPonte Vedra

CountySt. Johns

StateFL

Zip Code32081

Lot Size7,840.8 sq ft

Parcel Number0705032140

ZoningSingle Family

Amenities

AmenitiesPool, Basketball Court, Children's Pool, Dog Park, Fitness Center, Jogging Path, Maintenance Grounds, Management - Full Time, Management - Off Site, Park, Pickleball, Playground, Tennis Court(s)

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

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener, Off Street, On Street

ViewPool, Protected Preserve, Trees/Woods

Interior

Interior FeaturesBreakfast Bar, Built-in Features, Ceiling Fan(s), Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)

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

HeatingCentral

CoolingCentral Air, Multi Units, Zoned

FlooringCarpet, Tile, Wood

# of Stories2

LevelsTwo

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

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

Spa FeaturesIn Ground, Private