$851,557
85 WHITECAP Lane, Ponte Vedra, FL 32081, Ponte Vedra, FL 32081
Reflections
- Price
- $851,557
- Beds / Baths
- 4 / 5
- Living area
- 2,900 sqft
- Year built
- 2026
- Type
- Residential
- Lot
- 0.23 ac
- Garage
- 3
- HOA
- $70/mo
- CDD
- Yes
- Flood zone
- Unknown
- County
- St. Johns
- Days on market
- 0
- Elementary
- Pine Island Academy
- Middle
- Pine Island Academy
- High school
- Allen D. Nease
This Cleary is a 2,900 sqft, 2 story home with 4 bedrooms and 4.5 baths. The entry leads into the foyer and flex room. The gathering & dining rooms are both open to the kitchen with views of the covered lanai. A large downstairs master suite with elegant bath has a large walk-in closet. Upstairs are 4 secondary bedrooms and a bonus room. HUGE unconditioned Walk-out storage area is conveniently located upstairs and the lanai has a grilling porch.
What to check on this one
- Verify CDD bond payoff amount and confirm it transfers to buyer at closing.
- Obtain final Certificate of Occupancy and builder warranty documentation.
- Confirm HOA $70/mo covers what; request current reserve study and meeting minutes.
- Review flood zone designation once property survey is finalized.
- Ask builder about any builder-grade HVAC or roof warranties remaining.
Flagged from the listing itself — not an inspection, and no substitute for one. Bring these to the showing.
What this home really costs per month
Loan $681,246 at 6.75% · 30 yr
Not a loan quote. Rate, insurance, and tax are stated assumptions — a lender and an insurance agent give real numbers. Homestead exemption lowers taxes after you file.
Listing courtesy of GPS REALTY LLC. Data via realMLS (Northeast Florida MLS), updated Dec 18, 2025, 8:45 PM.
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