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 Crosswater Village, Ponte Vedra — a waterfront home in Nocatee.

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Active

Active·Listed today·Crosswater Village

357 Pioneer Village Drive

Ponte Vedra, FL 32081

$558,500$344/sqftEst. $2,871/moMLS# 2162057

Beds

Baths

1,623

Sq Ft

2020

Built

Garage

Pool

About this home

Crosswater Village

Tucked away on a quiet cul de sac in Pioneer Village within highly sought-after Nocatee, this beautifully maintained single-story home offers peaceful preserve views out front and pond and preserve views out back. The light-filled home features 3 bedrooms, 2 baths, natural hardwood flooring and an open kitchen, living and dining space ideal for everyday living and entertaining. Recent updates include a reverse osmosis system in the kitchen, new dishwasher, Roman shades throughout, new tile on the primary shower floor and fresh landscaping. Relax or entertain on the screened lanai while enjoying tranquil water and preserve views with no homes directly behind you. An attached two-car garage adds everyday convenience and storage. Enjoy all that the Nocatee lifestyle has to offer, including resort-style pools and water parks, fitness facilities, trails, parks, shopping, dining and easy access to Ponte Vedra beaches.

Cost to own

Mortgage calculator

Home Price

$558,500

Down Payment: 20%

$111,700

Interest Rate: 6.66%

Loan Term

Monthly Payment

$2,871

Principal & Interest: $2,871

Property taxes (est.): $743

Insurance (est.): $372

Estimated Total Monthly

$3,987

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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 · 6.66% · 30yr$2,871

Property taxesest. at asking price, St. Johns County$743

HOAbilled annually$79

Estimated total, before insurance$3,694/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$8,116/yr · $676/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): $8,116/yr

Estimated taxes if purchased at asking price: ~$8,900/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: ~1,775 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 27, 2026Listed$558,500

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

Features

Price$558,500

Price / Sq Ft$344

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,623

Acres0.17 acres

Year Built2020

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontYes

School Information

ElementarySabal Crest Academy

MiddleSabal Crest Academy

HighAllen D. Nease

Community Information

Address357 Pioneer Village Drive, Ponte Vedra, FL 32081

Area272-Nocatee South

SubdivisionCrosswater Village

CityPonte Vedra

CountySt. Johns

StateFL

Zip Code32081

Lot Size7,405.2 sq ft

Parcel Number0704920350

ZoningResidential

Amenities

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

UtilitiesElectricity Connected, Natural Gas Available, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage

ViewPond, Protected Preserve

Waterfront TypePond

Interior

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

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

HeatingCentral

CoolingCentral Air

FlooringTile, Wood

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Washer Hookup

SecuritySecurity System Owned, Smoke Detector(s)