$830,000
109 WHISPER ROCK Drive, Ponte Vedra, FL 32081, Ponte Vedra, FL 32081
Twenty Mile At Nocatee
- Price
- $830,000
- Beds / Baths
- 4 / 3
- Living area
- 2,503 sqft
- Year built
- 2016
- Type
- Residential
- Lot
- 0.18 ac
- Garage
- 2
- HOA
- $40/mo
- CDD
- Yes
- Flood zone
- Unknown
- County
- St. Johns
- Days on market
- 39
Discover lakefront living in the highly sought-after Twenty Mile at Nocatee. This beautifully maintained 4-bedroom, 3-bathroom home welcomes you with an inviting front patio and continues to impress with tile flooring throughout, elegant crown molding, and a bright, open layout designed for comfortable everyday living and entertaining. The spacious great room is filled with natural light and showcases wide lake views, creating a relaxing backdrop for daily life. The well-appointed kitchen features a large island with breakfast bar seating, abundant counter space, stainless steel appliances, a pantry with built-in storage, and a convenient built-in desk. The adjacent dining area flows seamlessly into the living space, while a separate front living room with a fireplace and custom built-in shelving and cabinetry offers the perfect spot for a home office, reading room, or additional gathering space. The generous primary suite overlooks the peaceful setting and includes an ensuite bathroom with an oversized shower and a large walk-in closet with built-in storage. Three additional bedrooms and two full bathrooms provide flexibility for guests, hobbies, or work-from-home needs. A dedicated laundry room adds everyday convenience. Outside, the covered patio is the perfect place to enjoy your morning coffee or host friends while taking in the tranquil lake views. Completing the home is a 2-car garage. Residents of Twenty Mile enjoy access to exceptional Nocatee amenities, including a clubhouse, pool, fitness center, tennis courts, and even more recreational offerings, all while being conveniently located near shopping, dining, and everyday conveniences!
What to check on this one
- Confirm flood zone designation and obtain elevation certificate for lakefront property.
- Verify CDD bond payoff amount and confirm no special assessments pending.
- Review HOA docs for Twenty Mile at Nocatee—rental restrictions, amenity fees, reserve study.
- Inspect roof age; confirm insurance eligibility and wind-mitigation certification if needed.
- Verify lake/waterfront easements, setback compliance, and any HOA restrictions on exterior changes.
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 $664,000 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 REDFIN CORPORATION. Data via realMLS (Northeast Florida MLS), updated Aug 31, 2026, 12:22 PM.
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