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

Active·Listed today·The Island at Twenty Mile

381 Parkbluff Circle

Ponte Vedra, FL 32081

$1,189,900$376/sqftEst. $6,111/moMLS# 2161345

Beds

Baths

3,167

Sq Ft

2020

Built

Garage

Yes

Pool

About this home

The Island at Twenty Mile

Luxury Living in The Settlement at Twenty Mile! This exceptional 5-bedroom, 4.5-bath home offers 3,156 sq ft of beautifully upgraded living space with 3 en-suite bedrooms, an oversized 2-car garage, and a resort-style backyard. Custom woodwork, built-ins, lighting, and a designer mudroom elevate the interior, while hard-surface flooring throughout means no carpet. The gourmet kitchen features quartz countertops, stacker cabinetry, and a gas range with pot filler. The family room showcases a gas fireplace and dramatic 4-panel sliders opening to the lanai. Outdoors, enjoy a saltwater pool & spa with gas heater, marble pool deck/lanai, and outdoor kitchen--perfect for entertaining. Additional upgrades include frameless showers in every bath, ceiling fans throughout, widened driveway, paver walkways, privacy hedges, 4-ft garage extension with polyaspartic floor, and a freshly repainted exterior (2025). Truly turnkey Nocatee living at its finest!

Cost to own

Mortgage calculator

Home Price

$1,189,900

Down Payment: 20%

$237,980

Interest Rate: 6.65%

Loan Term

Monthly Payment

$6,111

Principal & Interest: $6,111

Property taxes (est.): $1,583

Insurance (est.): $793

Estimated Total Monthly

$8,488

*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$6,111

Property taxesest. at asking price, St. Johns County$1,583

HOAbilled annually$87

Estimated total, before insurance$7,782/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$9,976/yr · $831/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): $9,976/yr

Estimated taxes if purchased at asking price: ~$19,000/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.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — year not disclosed (home built 2020)

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

Solar potential: ~1,799 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

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 21, 2026Listed$1,189,900

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

Features

Price$1,189,900

Price / Sq Ft$376

Bedrooms5

Bathrooms4.50

Full Baths4

Half Baths1

Square Footage3,167

Acres0.16 acres

Year Built2020

TypeResidential

Sub-TypeSingle Family Residence

StatusActive

# of Garages2

Has PoolYes

Pool FeaturesIn Ground, Fenced, Gas Heat, Heated, Salt Water

Is WaterfrontYes

Gated CommunityYes

School Information

ElementaryPalm Valley Academy

MiddlePalm Valley Academy

HighAllen D. Nease

Community Information

Address381 Parkbluff Circle, Ponte Vedra, FL 32081

Area271-Nocatee North

SubdivisionTwenty Mile At Nocatee

CityPonte Vedra

CountySt. Johns

StateFL

Zip Code32081

Lot Size6,969.6 sq ft

Parcel Number0680630880

Amenities

AmenitiesPool, Barbecue, Basketball Court, Car Wash Area, Children's Pool, Clubhouse, Fitness Center, Gated, Jogging Path, Tennis Court(s)

UtilitiesOther

SewerPublic Sewer

Water SourcePublic

ParkingGarage

ViewPond

Waterfront TypePond

Interior

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

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

HeatingCentral

CoolingCentral Air

FireplaceYes

# of Fireplaces1

Fireplace FeaturesGas

# of Stories2

LevelsTwo

SecuritySmoke Detector(s)

Spa FeaturesIn Ground, Heated, Private