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

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Active

Active·45 days on market·Greenleaf Village

95 Howland Drive

Ponte Vedra, FL 32081

$1,039,000$300/sqftEst. $5,687/moMLS# 2160429

Beds

4.5

Baths

3,458

Sq Ft

2012

Built

Garage

Yes

Pool

12 more homes for sale in Greenleaf Village →Search Greenleaf Village on the map

FEMA Zone XHOA $23/mo10,019 sqft lotSingle Family Residence2 stories

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Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.

Call (904) 333-8595 Text Krista

Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

About this home

Greenleaf Village

Welcome home to Greenleaf Village in Nocatee! This custom floor plan is one of the area's rare true six-bedroom pool homes in St. Johns County. With an addition completed in 2023, this unique layout features two true primary suites, each with an en-suite bath and double walk-in closets. The downstairs suite includes a show-stopping bath with a clawfoot tub, shower, and brick flooring. It overlooks a private oasis with a heated saltwater pool and fenced-in yard fronting the preserve. Additional highlights include wainscoting, wallpaper, granite countertops, luxury vinyl flooring, pull-down shades, and a built-in dining bench with storage. Upstairs offers a large laundry room with sink and cabinetry. The 3rd garage has doors on both sides, perfect for the pool toys or lawn equipment. Enjoy the convenience of Nocatee living with golf cart access to dining and groceries, plus take advantage of the award-winning water parks and amenities. Don't wait, schedule your private tour

Next steps in Greenleaf Village

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.28% · 30yr$5,687

Property taxesest. at asking price, St. Johns County$1,383

HOAbilled annually$23

Estimated total, before insurance$7,093/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.

Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

Home Price

$1,039,000

Down Payment: 20%

$207,800

Interest Rate: 7.28%

Loan Term

Monthly Payment

$5,687

Principal & Interest: $5,687

Property taxes (est.): $1,383

Insurance (est.): $693

Estimated Total Monthly

$7,762

*30-year loan at 7.28% APR (avg 30-yr rate 2026-10-01, 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.

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 2012)

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

Sewer · JEA · Public water · JEA_Premises point dataset with CCB_DESC like Water

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: ~1,746 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 17, 2026Listed$1,039,000

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

Features

Price$1,039,000

Price / Sq Ft$300

Bedrooms6

Bathrooms4.50

Full Baths4

Half Baths1

Square Footage3,458

Acres0.23 acres

Year Built2012

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionUpdated/Remodeled

StatusActive

# of Garages3

Has PoolYes

Pool FeaturesIn Ground, Heated, Salt Water

Is WaterfrontNo

School Information

ElementaryValley Ridge Academy

MiddleValley Ridge Academy

HighAllen D. Nease

Community Information

Address95 Howland Drive, Ponte Vedra, FL 32081

Area272-Nocatee South

SubdivisionGreenleaf Village

CityPonte Vedra

CountySt. Johns

StateFL

Zip Code32081

Lot Size10,018.8 sq ft

Parcel Number0232340260

ZoningResidential

Amenities

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

Community FeaturesSidewalks, Suburban, Street Lights, Curbs

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

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

ViewTrees/Woods

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Eat-in Kitchen, Guest Suite, His and Hers Closets, Jack and Jill Bath, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Smart Thermostat, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Electric Oven, Gas Cooktop, Gas Water Heater, Microwave, Refrigerator, Tankless Water Heater

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringCarpet, Tile

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, Sink, Upper Level, Washer Hookup

SecuritySmoke Detector(s)

Exterior

Lot DescriptionSprinklers In Front, Sprinklers In Rear, Wooded

Patio / PorchCovered, Front Porch, Patio

FencingBack Yard, Wrought Iron

RoofShingle

ConstructionComposition Siding, Frame, Stucco

Road SurfaceConcrete

Road FrontagePrivate Road

Additional Information

Date ListedAugust 17, 2026

Days on Market13

HOA Fees$280 / Annually

HOA FrequencyAnnually

HOA NameBCM Services

HOA Fee IncludesMaintenance Grounds

Listing TermsCash, Conventional, FHA, VA Loan

55+ CommunityNo

New ConstructionNo

Listing Courtesy of: KELLER WILLIAMS ST JOHNS

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

The neighborhood

About Greenleaf Village

Greenleaf Village is a neighborhood in Nocatee, FL (St. Johns County), ZIP 32081.

View all Greenleaf Village homes for sale →

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