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 River Landing, Ponte Vedra — a gated community home in St. Johns County.

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Active

Active·Listed today·River Landing

605 Shell Ridge Lane

Ponte Vedra, FL 32081

$2,675,000$633/sqftEst. $13,894/moMLS# 2164286

Beds

Baths

4,226

Sq Ft

2026

Built

Garage

Pool

About this home

River Landing

Experience luxury new construction and the coveted Nocatee lifestyle in River Landing, a prestigious gated community offering expansive homesites, beautiful natural surroundings, exceptional community amenities and a private community dock on the Intracoastal Waterway. Custom built by Luxury Homes by Marcus Meide, this stunning 5-bedroom, 5.5-bath residence with an upstairs loft and a pocket office combining sophisticated design, exceptional craftsmanship and an open-concept floor plan designed for both everyday living and effortless entertaining. At the heart of the home, the gourmet kitchen and expansive family room are filled with natural light from an abundance of windows and doors. The chef-inspired kitchen features premium Thermador appliances, a 6-burner gas cooktop, built-in refrigerator, separate oven and microwave combination, oversized center island and spacious walk-in pantry. The kitchen and family room flow seamlessly to the large covered lanai, already pre-plumbed for a

Cost to own

Mortgage calculator

Home Price

$2,675,000

Down Payment: 20%

$535,000

Interest Rate: 6.76%

Loan Term

Monthly Payment

$13,894

Principal & Interest: $13,894

Property taxes (est.): $3,560

Insurance (est.): $1,783

Estimated Total Monthly

$19,237

*30-year loan at 6.76% APR (avg 30-yr rate 2026-09-10, 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 · 6.76% · 30yr$13,894

Property taxesest. at asking price, St. Johns County$3,560

HOAbilled annually$243

Estimated total, before insurance$17,696/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$9,993/yr · $833/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

Year	Market value	Taxable value	Change
2025	$500,000	$484,484	—
2024	$555,000	$440,440	—
2023	$550,000	$400,400	—
2022	$364,000	$364,000	—

2025 property taxes (current owner): $9,993/yr

Estimated taxes if purchased at asking price: ~$42,700/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 (2025), 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: Metal — year not disclosed (home built 2026)

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

Solar potential: ~1,275 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

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

Sep 10, 2026Listed$2,675,000

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

Features

Price$2,675,000

Price / Sq Ft$633

Bedrooms5

Bathrooms5.50

Full Baths5

Half Baths1

Square Footage4,226

Acres0.47 acres

Year Built2026

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontNo

Gated CommunityYes

New ConstructionYes

School Information

ElementaryPalm Valley Academy

MiddlePalm Valley Academy

HighAllen D. Nease

Community Information

Address605 Shell Ridge Lane, Ponte Vedra, FL 32081

Area262-Ponte Vedra Beach-W Of A1A-S Of Solana Rd

SubdivisionRiver Landing

CityPonte Vedra

CountySt. Johns

StateFL

Zip Code32081

Lot Size20,473.2 sq ft

Lot Dimensions100x221x29x164

Parcel Number0694410690

ZoningSingle Family

Amenities

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

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

Water SourcePublic

ParkingAttached, Garage

ViewProtected Preserve, Trees/Woods