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

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Active

Active·3 days on market

319 Sutton Drive

Ponte Vedra, FL 32081

$659,900$267/sqftEst. $3,396/moMLS# 2159500

Beds

Baths

2,470

Sq Ft

2026

Built

Garage

Pool

About this home

Ponte Vedra

The Nocatee lifestyle is waiting for you in this beautiful two-story Liberty plan by Riverside Homes, in Crosswinds at Nocatee, just a short walk to Pine Island Academy, Settler's Pond and Crosswater Park and pool. Projected completion date in October. This floor plan features an open, bright and airy layout, with the large kitchen island overlooking the spacious great room and dining spaces, with added windows and a 12' slider allowing for so much natural light. This home has 4 spacious bedrooms, 3 full baths, a powder room, a loft area, a large pocket office, a 2-car garage with golf cart storage, a mud room and walk-in pantry, and an extended covered lanai, perfect for your outdoor entertaining. The coastal stair details, and flat walls are distinct hallmark features of Riverside Homes. Floor plan and survey in documents. Design selections included in photos. **Photos of completed similar home**

Cost to own

Mortgage calculator

Home Price

$659,900

Down Payment: 20%

$131,980

Interest Rate: 6.67%

Loan Term

Monthly Payment

$3,396

Principal & Interest: $3,396

Property taxes (est.): $878

Insurance (est.): $440

Estimated Total Monthly

$4,714

*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$3,396

Property taxesest. at asking price, St. Johns County$878

HOAbilled annually$79

Estimated total, before insurance$4,353/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,474/yr · $290/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): $3,474/yr

Estimated taxes if purchased at asking price: ~$10,500/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 D

Zone D evacuates after zones A, B, C in an approaching storm.

Roof: Shingle — year not disclosed (home built 2026)

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

Solar potential: ~1,760 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 10, 2026Listed$659,900

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

Features

Price$659,900

Price / Sq Ft$267

Bedrooms4

Bathrooms3.50

Full Baths3

Half Baths1

Square Footage2,470

Acres0.12 acres

Year Built2026

TypeResidential

Sub-TypeSingle Family Residence

StyleOther

Property ConditionUnder Construction

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

New ConstructionYes

School Information

ElementaryPine Island Academy

MiddlePine Island Academy

HighAllen D. Nease

Community Information

Address319 Sutton Drive, Ponte Vedra, FL 32081

Area272-Nocatee South

SubdivisionNocatee

CityPonte Vedra

CountySt. Johns

StateFL

Zip Code32081

Lot Size5,227.2 sq ft

Parcel Number0721120570

Amenities

AmenitiesPool, Children's Pool, Clubhouse, Jogging Path, Playground, Tennis Court(s)

UtilitiesCable Available, Electricity Available, Natural Gas Available, Sewer Available

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage

Interior

Interior FeaturesBreakfast Bar, Entrance Foyer, Guest Suite, Kitchen Island, Pantry, Primary Bathroom - Shower No Tub, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Gas Range, Gas Water Heater, Microwave, Tankless Water Heater

HeatingCentral

CoolingCentral Air

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, Washer Hookup