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 The Island at Twenty Mile, Ponte Vedra — a waterfront home in Nocatee.

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Active·46 days on market·The Island at Twenty Mile

91 Fortress Avenue

Ponte Vedra, FL 32081

$1,100,000$326/sqftEst. $6,021/moMLS# 2161104

Beds

Baths

3,374

Sq Ft

2019

Built

Garage

Pool

2 more homes for sale in The Island at Twenty Mile →Search The Island at Twenty Mile on the map

FEMA Zone XHOA $40/mo9,583 sqft lotWaterfrontSingle 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

The Island at Twenty Mile

Welcome to 91 Fortress Avenue, where everyday life feels like an adventure and there is room for everyone to be part of it. Located in Twenty Mile Outlook, one of Nocatee's most established and well connected neighborhoods, this beautifully maintained 6-bedroom, 5-bath home offers 3,374 square feet of flexible living space, an expansive backyard, peaceful pond views, and a 2.5-car garage ready for bikes, sports equipment, beach gear, and more. Designed for gathering, the heart of the home is an impressive open-concept living area with soaring two-story ceilings, abundant natural light, and oversized windows framing views of the backyard and pond. The spacious kitchen features quartz countertops, a large center island, a dedicated breakfast nook, and a separate dining space - creating plenty of room for everything from busy weekday mornings to holiday dinners filled with extended family and friends.

Next steps in The Island at Twenty Mile

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$6,021

Property taxesest. at asking price, St. Johns County$1,464

HOAbilled annually$40

Estimated total, before insurance$7,525/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

$1,100,000

Down Payment: 20%

$220,000

Interest Rate: 7.28%

Loan Term

Monthly Payment

$6,021

Principal & Interest: $6,021

Property taxes (est.): $1,464

Insurance (est.): $733

Estimated Total Monthly

$8,218

*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.

Hurricane evacuation zone D

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

Roof: Shingle — year not disclosed (home built 2019)

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

Solar potential: ~1,767 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 20, 2026Listed$1,100,000

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

Features

Price$1,100,000

Price / Sq Ft$326

Bedrooms6

Bathrooms5.00

Full Baths5

Square Footage3,374

Acres0.22 acres

Year Built2019

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontYes

Community Information

Address91 Fortress Avenue, Ponte Vedra, FL 32081

Area271-Nocatee North

SubdivisionThe Outlook At Twenty Mile

CityPonte Vedra

CountySt. Johns

StateFL

Zip Code32081

Lot Size9,583.2 sq ft

Parcel Number0680614980

Amenities

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

Community FeaturesSidewalks, Street Lights, Restaurant, Curbs

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

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Garage Door Opener

ViewPond

Waterfront TypePond

Interior

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

AppliancesDishwasher, Disposal, Dryer, Electric Oven, Gas Range, Gas Water Heater, Microwave, Refrigerator, Tankless Water Heater, Washer, Water Softener Owned

HeatingCentral

CoolingCentral Air

FlooringCarpet, Laminate, Tile

# of Stories2

LevelsTwo

LaundryLower Level, Washer Hookup

SecuritySmoke Detector(s)

Exterior

Lot DescriptionSprinklers In Front, Sprinklers In Rear

Patio / PorchCovered, Front Porch, Patio, Porch, Rear Porch

RoofShingle

Road SurfaceAsphalt

Road FrontageCounty Road

Additional Information

Date ListedAugust 20, 2026

Days on Market4

HOA Fees$485 / Annually

HOA FrequencyAnnually

Listing TermsCash, Conventional, FHA, VA Loan

55+ CommunityNo

New ConstructionNo

Listing Courtesy of: COMPASS FLORIDA LLC

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 The Island at Twenty Mile

The Island at Twenty Mile is a neighborhood in Nocatee, FL (St. Johns County), ZIP 32081.

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