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

Benjamin Subercaseaux, Sales Associate · Florida Homes Realty & Mortgage

$995,000

97 SETTLERS LANDING Drive, Ponte Vedra, FL 32081, Ponte Vedra, FL 32081

Settlers Landing

Price
$995,000
Beds / Baths
4 / 3
Living area
2,739 sqft
Year built
2022
Type
Residential
Lot
0.22 ac
Garage
2
HOA
$58/mo
CDD
Yes
Flood zone
Unknown
County
St. Johns
Days on market
12
Elementary
Pine Island Academy
Middle
Pine Island Academy
High school
Allen D. Nease

$363/sqft asking, vs a $278/sqft median across 1,456 closed sales in 32081 over the last 12 months — 31% above the area's closed prices. Condition and lot vary; that's what a showing is for.

POND VIEWS • 4 BEDROOMS • 3 FULL BATHS • LOFT • OFFICE • WHOLE-HOME GENERATOR • OVERSIZED 2-CAR GARAGE Welcome home to this exceptional, move-in-ready lakefront residence offering an impressive combination of space, upgrades, and thoughtful design. Situated on a prime lot with expansive pond views, this beautifully appointed 4-bedroom, 3-full-bath home features a downstairs primary suite, private office, upstairs loft/flex space, oversized 2-car garage, and a fully fenced backyard--with room for a pool! From the moment you enter, you'll appreciate the open floor plan, abundant natural light, and luxury finishes throughout. The gourmet kitchen is designed to impress with double-stacked cabinetry, upgraded stainless-steel appliances, a spacious stainless-steel refrigerator, and a large center island--perfect for everyday living and entertaining. Bosch Dishwasher. The family room features a built-in media wall, while a large sliding glass door opens to the wraparound lanai, creating an effortless indoor-outdoor living experience and the perfect place to enjoy beautiful sunrises and sunsets. The downstairs primary suite offers a peaceful retreat with a spa-inspired bathroom and a large walk-in closet featuring custom closet organizers. Also on the first floor is a private office with doors for added privacy, plus a secondary bedroom and full bathroom--an ideal setup for guests, multigenerational living, or an in-law suite. Upstairs, you'll find two additional bedrooms, a full bathroom, and a spacious loft/flex area that can easily be transformed into a game room, media room, study, retreat, or whatever best fits your lifestyle. An open handrail adds an elegant architectural touch. The extensive list of upgrades continues with luxury vinyl plank flooring throughout the first-floor living areas and primary bedroom, upgraded upstairs carpet, whole-home window tint, a whole-house generator, tankless water heater, water softener, reverse-osmosis inserts, and a garage utility sink. The oversized garage also includes two ceiling storage racks, providing valuable additional storage. Outdoor living is equally impressive. The fully fenced backyard with gate, complete irrigation system servicing the front, sides, and back, and generous lakefront setting provide plenty of room to relax, entertain, and potentially add a pool. The exceptional lot includes a 15-foot easement, offering approximately 75 feet of total lakefront and an additional 15 feet of separation between homes on one side--a rare and desirable feature. Additional highlights include a drop-zone backpack rack, bathroom 2 shower enclosure, wraparound lanai, and so much more. Location is just as special. Enjoy being within walking distance of Settlers Pond, a recreational area featuring a dock, fishing, kayaking, canoeing, and more. Plus, take advantage of the exclusive trail to Pine Island Academy, accessible by walking, biking or golf cart. This is more than a home--it's a lifestyle. The Nocatee Lifestyle! With its exceptional lot, extensive upgrades, flexible living spaces, thoughtful floor plan, and resort-style outdoor potential, this property truly has it all. All you have to do is move in and enjoy!

What to check on this one

  • Verify exact flood zone designation and obtain elevation certificate if in AE/VE.
  • Confirm CDD bond payoff amount and remaining assessment obligation.
  • Review HOA documents for rental restrictions on in-law suite use.
  • Inspect whole-home generator maintenance records and transfer warranty.
  • Verify roof age, materials, and current insurer acceptance at 2022 build.

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$5,163/mo
Property tax (1.1% eff., St. Johns Co.)$912/mo
Homeowners insurance (est.)$580/mo
HOA$58/mo
CDD assessment (est.)$167/mo
All-in monthly (est.)$6,880/mo

Loan $796,000 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 CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST. Data via realMLS (Northeast Florida MLS), updated Sep 1, 2026, 4:30 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.