Ask Ben.
Ask Ben.
(904) 595-8967

Benjamin Subercaseaux, Sales Associate · Florida Homes Realty & Mortgage

$599,999

118 VISTA LAKE Circle, Ponte Vedra, FL 32081, Ponte Vedra, FL 32081

Liberty Cove At Crosswater

Price
$599,999
Beds / Baths
4 / 3
Living area
2,187 sqft
Year built
2018
Type
Residential
Lot
0.11 ac
Garage
2
HOA
$79/mo
CDD
Yes
Flood zone
Unknown
County
St. Johns
Days on market
38
Elementary
Pine Island Academy
Middle
Pine Island Academy
High school
Allen D. Nease

$274/sqft asking, vs a $278/sqft median across 1,456 closed sales in 32081 over the last 12 months — 1% below the area's closed prices. Condition and lot vary; that's what a showing is for.

Welcome to 118 Vista Lake Circle. This 4 Bedroom, 3 full bath home features a gourmet kitchen with gas cooktop, stainless steel appliances, open floorplan, dining area, family room, one bedroom and full bathroom downstairs. Upstairs you will find two additional bedrooms and one two full bathrooms and laundry room. Nicely upgraded and built by ICI in this quaint smaller Liberty Cove neighborhood of Nocatee. Close proximity to the neighborhood (Crosswater) pools, park, and golf cart path. Take the golf cart path to the Waterparks, pickleball courts or dinner at the Nocatee Town Center. Zoned for St Johns County Schools which are the number one school district in Florida.

What to check on this one

  • Verify CDD bond payoff amount and remaining assessment term with county.
  • Pull flood zone designation from FEMA map—address shows 'unknown'.
  • Confirm roof age and material; 2018 build may still be under builder warranty.
  • Request HOA docs: Liberty Cove/Nocatee rules, amenity access, rental restrictions.
  • Review 4-point insurance inspection if not completed; confirm homeowners insurer accepts property.

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

Principal & interest$3,113/mo
Property tax (1.1% eff., St. Johns Co.)$550/mo
Homeowners insurance (est.)$350/mo
HOA$79/mo
CDD assessment (est.)$167/mo
All-in monthly (est.)$4,259/mo

Loan $479,999 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 CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST. Data via realMLS (Northeast Florida MLS), updated Aug 9, 2026, 4:15 AM.

IDX information is provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.