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

1 / 61

Active

Active·3 days on market·Riverwood

108 Canopy Oak Lane

Ponte Vedra, FL 32081

$384,900$271/sqftEst. $1,977/moMLS# 2160693

Beds

Baths

1,418

Sq Ft

2017

Built

Garage

Pool

About this home

Riverwood

Welcome to easy Florida living in the highly desirable 55+ community of Del Webb Ponte Vedra! This inviting 2-bedroom, 2-bath home offers a comfortable single-level floor plan with tile flooring throughout the main living spaces and a screened lanai that's perfect for enjoying your morning coffee or relaxing at the end of the day. The thoughtfully designed layout provides comfortable living and entertaining spaces, along with a private primary suite and additional bedroom ideal for guests, an office or flex space. The screened lanai extends the living area outdoors and offers a peaceful place to enjoy Northeast Florida's year-round lifestyle. Del Webb Ponte Vedra is known for its exceptional resort-style amenities, active social calendar and convenient location near Nocatee shopping, dining, medical services and area beaches. Whether you're looking for a full-time residence or a Florida retreat 108 Canopy Oak is it!

Cost to own

Mortgage calculator

Home Price

$384,900

Down Payment: 20%

$76,980

Interest Rate: 6.65%

Loan Term

Monthly Payment

$1,977

Principal & Interest: $1,977

Property taxes (est.): $512

Insurance (est.): $257

Estimated Total Monthly

$2,746

*30-year loan at 6.65% APR (avg 30-yr rate 2026-08-20, 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 · 6.65% · 30yr$1,977

Property taxesest. at asking price, St. Johns County$512

HOAbilled monthly$245

Estimated total, before insurance$2,734/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$6,763/yr · $564/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): $6,763/yr

Estimated taxes if purchased at asking price: ~$6,100/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 2017)

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

Sewer & public water · JEA

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: ~1,780 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 18, 2026Listed$384,900

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

Features

Price$384,900

Price / Sq Ft$271

Bedrooms2

Bathrooms2.00

Full Baths2

Square Footage1,418

Total Structure Area2,077 sq ft

Acres0.12 acres

Year Built2017

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Gated CommunityYes

55+ CommunityYes

Community Information

Address108 Canopy Oak Lane, Ponte Vedra, FL 32081

Area272-Nocatee South

SubdivisionRiverwood By Del Webb

CityPonte Vedra

CountySt. Johns

StateFL

Zip Code32081

Lot Size5,227.2 sq ft

Parcel Number0722470220

ZoningResidential

Amenities

AmenitiesPool, Clubhouse, Fitness Center, Gated, Golf Course, Jogging Path, Maintenance Grounds, Park, Pickleball, Sauna, Security, Spa/Hot Tub, Tennis Court(s), Water

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage