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 Deep Creek Landing, Ponte Vedra — a 55+ community home in St. Johns County.

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Active

Active·Listed today·Deep Creek Landing

129 Oyster Shell Terrace

Ponte Vedra, FL 32081

$495,000$323/sqftEst. $2,542/moMLS# 2161443

Beds

Baths

1,534

Sq Ft

2024

Built

Garage

Pool

About this home

Deep Creek Landing

Del Webb Nocatee Villa in 55+ gated community on rare PREMIUM PRESERVE homesite that backs up to the Tolomato River. This 2BR/2BA home plus flex room offers privacy on a quiet dead-end street. Structural upgrades include 4ft extended garage (insulated), 4ft extended screened lanai, and paver patio. Interior features custom new cabinetry in dining nook, Sherwin Williams paint, luxury vinyl plank flooring, soft-close cream cabinetry, 8' panel doors, zero-entry walk-in shower, and custom garage-entry storage. Smart home touches: Ring doorbell, Honeywell thermostat, MyQ garage, prewired security/sound, and LED DC motor ceiling fans. HOA covers lawn care, power washing, and future roof replacement. Enjoy Canopy Club amenities: clubhouse with restaurant/bar, 2 pools, fitness center, pickleball, bocce, tennis, kayak launch, walking trails, and vibrant social clubs.

Cost to own

Mortgage calculator

Home Price

$495,000

Down Payment: 20%

$99,000

Interest Rate: 6.65%

Loan Term

Monthly Payment

$2,542

Principal & Interest: $2,542

Property taxes (est.): $659

Insurance (est.): $330

Estimated Total Monthly

$3,531

*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$2,542

Property taxesest. at asking price, St. Johns County$659

HOAbilled monthly$564

Estimated total, before insurance$3,765/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.

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 2024)

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

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 23, 2026Listed$495,000

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

Features

Price$495,000

Price / Sq Ft$323

Bedrooms2

Bathrooms2.00

Full Baths2

Square Footage1,534

Acres0.11 acres

Year Built2024

TypeResidential

Sub-TypeSingle Family Residence

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Gated CommunityYes

55+ CommunityYes

Community Information

Address129 Oyster Shell Terrace, Ponte Vedra, FL 32081

Area272-Nocatee South

SubdivisionDeep Creek Landing

CityPonte Vedra

CountySt. Johns

StateFL

Zip Code32081

Lot Size4,791.6 sq ft

Parcel Number0721111440

ZoningResidential

Amenities

AmenitiesPool, Boat Launch, Clubhouse, Dog Park, Fitness Center, Gated, Jogging Path, Maintenance Grounds, Park, Pickleball, Playground, Tennis Court(s)

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

SewerPublic Sewer

Water SourcePublic

Green / EnergyInsulation, Thermostat, Windows

ParkingGarage, Garage Door Opener

ViewProtected Preserve, Trees/Woods

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Primary Downstairs, Smart Thermostat, Split Bedrooms, Walk-In Closet(s)

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

HeatingCentral, Electric

CoolingElectric

FlooringLaminate, Vinyl

# of Stories1

LevelsOne

LaundryGas Dryer Hookup, In Unit, Washer Hookup

SecurityGated with Guard

Spa FeaturesCommunity