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 home near Allen D. Nease High School.

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Active

Active·Listed today·The Island at Twenty Mile

257 Valley Grove Drive

Ponte Vedra, FL 32081

$950,000$301/sqftEst. $4,884/moMLS# 2162279

Beds

Baths

3,160

Sq Ft

2016

Built

Garage

Pool

About this home

The Island at Twenty Mile

*Open House Saturday 8/29 11-2, stop by and pick up your free Welcome Home Kit* Experience the Nocatee lifestyle in this beautifully upgraded 4BR/4BA home offering 3,160 SF, a dedicated office/study and 3-car garage. Thoughtful details include 10' ceilings, 8' doors, tray ceilings, plantation shutters and Mohawk laminate flooring. The upgraded chef's kitchen features an enlarged island, 42'' cabinetry and soft-close drawers, while the owner's suite boasts a spa-like frameless super shower. A 4-zone central A/C system with HALO air purification and water softener add comfort and convenience. Relax or entertain on the expanded patio. Enjoy Nocatee's incredible amenities, including water parks, resort-style pools, miles of trails, fitness facilities, sports fields, playgrounds and year-round community events. Shopping, dining and schools are nearby, with easy access to Ponte Vedra Beach. The perfect combination of space, upgrades and the Nocatee lifestyle!

Cost to own

Mortgage calculator

Home Price

$950,000

Down Payment: 20%

$190,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$4,884

Principal & Interest: $4,884

Property taxes (est.): $1,264

Insurance (est.): $633

Estimated Total Monthly

$6,781

*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$4,884

Property taxesest. at asking price, St. Johns County$1,264

HOAbilled annually$40

Estimated total, before insurance$6,189/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$6,191/yr · $516/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): $6,191/yr

Estimated taxes if purchased at asking price: ~$15,200/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 2016)

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

Solar potential: ~1,672 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 28, 2026Listed$950,000

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

Features

Price$950,000

Price / Sq Ft$301

Bedrooms4

Bathrooms4.00

Full Baths4

Square Footage3,160

Acres0.21 acres

Year Built2016

TypeResidential

Sub-TypeSingle Family Residence

StyleCraftsman

Property ConditionUpdated/Remodeled

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontNo

Direction FacesWest

School Information

ElementaryPalm Valley Academy

MiddlePalm Valley Academy

HighAllen D. Nease

Community Information

Address257 Valley Grove Drive, Ponte Vedra, FL 32081

Area271-Nocatee North

SubdivisionTwenty Mile At Nocatee

CityPonte Vedra

CountySt. Johns

StateFL

Zip Code32081

Lot Size9,147.6 sq ft

Parcel Number0680611920

ZoningPUD

Amenities

AmenitiesPool, Barbecue, Basketball Court, Children's Pool, Clubhouse, Dog Park, Fitness Center, Jogging Path, Maintenance Grounds, Management - Full Time, Management - Off Site, Park, Playground, Spa/Hot Tub, Tennis Court(s)

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

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Garage Door Opener

ViewProtected Preserve, Trees/Woods

Interior

Interior FeaturesBreakfast Nook, Ceiling Fan(s), Eat-in Kitchen, 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, Water Softener Owned

HeatingCentral, Electric, Zoned

CoolingCentral Air, Electric, Zoned

FlooringCarpet, Wood

# of Stories2

LevelsTwo

LaundryIn Unit, Lower Level, Sink

SecuritySmoke Detector(s)