Single Family Residence in Kelly Pointe, Ponte Vedra · No CDD on record
Kelly Pointe · Ponte Vedra, FL 32081 · St. Johns County
Listing data checked against the MLS October 28, 2026 at 3:56 PM ET · rechecked hourly
Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST (MLS) · Page maintained by Momentum Realty (EAB RE Investments LLC) · Brittany Brooks, broker of record
4Bedrooms
2.5Bathrooms
2,752Sq Ft
2011Year Built
$254Per Sq Ft
Private pool3-car garageNo CDD on recordFEMA Zone X4 bedrooms
How to read this page: MLS listing facts carry their source; everything else is labelled as a public record, a calculation, an estimate, or something to verify. Where local data is too thin to support a number, the page says so instead of guessing.
11% above
$/sq ft vs community
$254 here vs $228 median sold (12 mo)
Buyer leverage
Strong seller market
20 days on market
No active listings
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
Zone X
Flood risk
Minimal hazard per FEMA; ~31 ft elevation
$2k–$4k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
109 CAPTIVA Drive in Kelly Pointe, Ponte Vedra is listed at $699,000 (2,752 sq ft, about $254 per sq ft). That sits within a few percent of Kelly Pointe's median closed sale of $610,000 over the last 12 months (3 recorded sales). Per square foot it is above the community's recent $228/sq ft by about 11%. It has been listed Oct 8, 2026, well inside the community's typical 78 days. Listing facts: built in 2011, a private pool, HOA dues of $49/mo. The parcel maps to FEMA flood zone X, outside the special flood hazard area. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
No CDD assessment on record
Built 2011 · 15 yrs
2,752 sq ft of living area
3-car garage
Listed at $699,000 — recent neighborhood median sale price ~$610,000 (nearby sales; deemed reliable, not an appraisal)
listed Oct 8, 2026
HOA $49/mo (per listing)
School district: Schools St. Johns County SchoolsCommunity built 2010–2014Twenty Mile Park · 3 min drivePalmetto Foods Distribution · 4 min drivePanera Bread · 5 min drive
Listing description
About this home
This one checks a lot of boxes and then adds a few extras! POOL + SPA? Check.
Large, fenced yard? Check. 3-car tandem garage?
Absolutely. Nocatee's lowest-priced pool home, both in total price and price per square foot? That, too!
Welcome to 109 Captiva Drive in Kelly Pointe, a well-maintained David Weekley home with 4 bedrooms (all upstairs), 2.5 baths, a spacious loft, office with French doors, flex/dining room, and tons of natural light. The open kitchen and family room keep everyone connected, with a large island, 42'' cabinetry, stainless appliances, gas cooktop, & walk-in pantry. Brand-new lighting is another bonus!
Out back, the oversized fenced yard backs to the preserve, with a covered lanai, sparkling heated pool & spa, plenty of green space, and room for a playset, cornhole, or future outdoor kitchen. Add tons of storage, newer HVAC unit (3 years old!), a large storm/storage room, & easy golf-cart access to Nocatee amenities, and this home brings the fun and the function! Kelly Pointe is a charming Nocatee neighborhood of just 180 homes featuring two playgrounds, green space, and direct golf-cart access to Nocatee Town Center, shops, dining, parks, and resort-style amenities.
Residents enjoy miles of trails, water parks, sports courts, community events, and convenient access to St. Johns County schools and major commuter routes. The award-winning Nocatee community offers multiple parks, miles of scenic nature trails, kayak/paddleboard access at the Intracoastal Waterway, pickleball and tennis courts, basketball courts, playgrounds, splash parks, and the popular Waterpark & Sprayground.
Residents also enjoy year-round community events, local shops and dining at Nocatee Town Center, and close proximity to A-rated schools.
All 101 photos
Description provided by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST and reproduced from the MLS; not independently verified.
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
List price$699,000
Bed / bath4 / 2.5
Living area2,752 sq ft
Year built2011
Property typeSingle Family Residence
Garage3-car
PoolYes
MLS #2168405
Listing statusUnder Contract
Public records & third-party data
FEMA flood zoneZone X
Ground elevation~31 ft
CountySt. Johns
Area listings0 active · 1 under contract
Estimated first-year tax~$8,750/yr
CDD assessmentNone on record
HOA$49/mo
Calculated estimates
Price per sq ft$254
Estimated monthly payment$4,876
Insurance (illustrative)$2k–$4k/yr
Messtimate range$575,168 – $759,552
Comparable-sales median$610,000
Buyer should verify Buyer verify
Exact HOA dues, fees, and restrictionsRoof age and conditionHVAC age and conditionA property-specific insurance quoteSurvey and lot boundariesPermit historyFlood-insurance requirementsSchool zoning (confirm with the district)Property taxes after sale (homestead reset)CDD / community assessmentsSquare footage and room dimensions
Financing
Estimated monthly payment
$4,876/mo
Principal & interest $3,841/mo79%
Taxes $729/mo15%
Insurance $257/mo5%
HOA $49/mo1%
$4,876/mo at 20% down, 30-yr @ 7.32% · edit any field to update.
Estimate: asking price less the $50,000 homestead exemption × St. Johns County rate (13.47 mills, adopted 2025 millage). Not a bill.
⚠️
Property taxes in Florida are reassessed after a sale, so a buyer’s first full-year bill can be higher than the seller’s. Budget from this estimate, not the current bill, before you make an offer.
Current owner’s estimated bill $4,600/yr ($383/mo) — taxable value $342,073 × 13.47 mills
$4,150 more each year
(+90%)
Most of this comes from Florida’s Save Our Homes assessment cap resetting when the home sells — the current owner’s protected assessment does not transfer to a new buyer.
🛡️
Current ownerProtected by Save Our Homes
🔄
Home sellsResets the January after
🧾
Buyer paysBased on purchase price
$233,208
Save Our Homes benefit
The current owner’s protected taxable value sits this much below market — which is why today’s bill is lower than a new buyer’s.
$575,281
Market value
$392,795
Assessed
$342,073
Taxable
Certified 2025 tax roll values for this parcel (Florida DOR). The roll gives values, not the bill; the current owner’s bill above is estimated from the taxable value.
Sources: Florida DOR certified tax roll (2025), realMLS; millage: St. Johns County Property Appraiser, FY2025-26 adopted budget. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill; the county property appraiser and tax collector set the actual amount.
What it really costs to own 109 Captiva Drive
The parts of the monthly number a mortgage calculator leaves out, from this listing's MLS record, the county tax roll, Citizens and FEMA. Property facts only.
Property tax
The current owner's bill is about $4,600/yr (certified county roll, taxable value × millage). Buy at the asking price of $699,000 and the first-year bill resets to about $8,750/yr (the parcel is matched to the certified roll; asking price less the $50,000 homestead exemption × 13.47 mills); Save Our Homes caps later increases at 3%/yr.
HOA dues
$49/month per the listing record. Dues cover what the association documents say they cover; ask for the budget and reserve study before you close.
Home and flood insurance
The average Citizens Property Insurance premium in Saint Johns County is $1,378/yr (977 policies, Citizens detail by county, April 2026); private-market quotes differ by roof age, wind mitigation and distance to the coast. The page's modeled range for this home is $2,000–$4,500/yr; neither is a quote. Flood: this address maps to FEMA zone X, outside the high-risk zone; flood insurance is optional but most lenders and insurers recommend it. Statewide, a zone X flood policy runs about $500–$700/yr (FEMA Risk Rating 2.0 averages, not a quote).
Roof and age
Built in 2011. An original roof would be about 15 years old; under Florida's 2022 reform (SB 2-D) carriers may require an inspection past 15 years, so budget for a roof report and ask for the roof permit date.
Estimated carrying cost at the asking price, before the mortgage: about $893/month (tax $729, HOA $49, insurance $115). An estimate from the sources above, not a quote; the monthly-cost calculator on this page adds the loan.
Estimated ownership costs
Estimated costs & disclosures
Estimated ownership costs for general information. Confirm each with the county, your lender, and an insurer. See data & estimate notes.
CDD assessment
None on record
No CDD assessment appears in our records for this community. CDD assessments show on the county tax bill — confirm with the tax collector.
Insurance (illustrative range)
$2k–$4k/yr
An illustrative modeled range, not based on carrier underwriting and not a quote. Florida premiums vary significantly by roof age, wind-mitigation features, claims history, and carrier — a real quote can land well outside this range. Flood insurance not federally mandated (Zone X). Get a quote from a licensed insurer before relying on any figure.
HOA
$49/mo
Per the MLS listing. Confirm exact dues and what they include with the association.
Environmental data
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
FEMA flood zone
Zone X
From the FEMA National Flood Hazard Layer. In this zone lender-required flood insurance is generally not mandated; confirm for the parcel.
Ground elevation
~31 ft
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Windstorm / insurance
Obtain a quote
St. Johns County is on the Florida coast; wind coverage is a major part of the premium. Premiums and coverage vary by home (roof age, wind mitigation, claims history); obtain a quote from a licensed insurer.
Hazard risk
Natural hazard risk
FEMA National Risk Index for St. Johns County, FL: overall Relatively Moderate. Ratings compare this county with every county in the United States for expected annual loss from each hazard.
HurricaneRelatively High
Coastal floodingRelatively High
Inland floodingRelatively Moderate
Heat waveRelatively Moderate
WildfireRelatively Moderate
TornadoRelatively Moderate
LightningRelatively High
Strong windRelatively Low
DroughtRelatively Low
HailVery Low
Cold waveVery Low
Source: FEMA National Risk Index (county level, hazard risk ratings only). Ratings describe the county, not this parcel; the flood zone shown above is parcel-specific. Verify insurance requirements with your lender and agent.
Connectivity
Internet & broadband
Fiber
Check availability
Address-level fiber service is not confirmed for this home. Check the FCC National Broadband Map (broadbandmap.fcc.gov) or the provider for this address.
Cable
Check availability
Cable broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
Fixed wireless / satellite
Check availability
5G home internet and satellite service depend on the exact location; check coverage for this address.
Momentum Research · Kelly Pointe
Pricing & the Kelly Pointe market
How this home is priced against recent nearby sales, and where Kelly Pointe has been over 25 years. Momentum Research analysis of realMLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.
This home’s $/sq ft vs. nearby sales
List $/sq ft against recent nearby closed sales; the community median is marked.
Property timeline
This home’s history
2011BuiltPer public record
About Oct 2026Listed (per MLS)Approximate list date from the MLS cumulative days-on-market count (<span class="mw-dom" data-listed="2026-10-08" data-fmt="dom">listed Oct 8, 2026</span>)
Oct 8, 2026First seen on movewithmomentum.comObserved at $699,000
NowUnder contractActive under contract
Build year is from public record. The MLS list date is approximate (today minus the cumulative days on market the MLS reports, which can span relistings). Other milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Transparency
Price & listing history
Listed for $699,000Momentum Realty · listed Oct 8, 2026
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
How it stacks up
Comparable recent sales
6 closed sales in Kelly Pointe in the last 18 months — same property type, living area within 30% of this home. Sold prices are MLS closed-sale records, deemed reliable but not guaranteed.
Sold Jul 2026
$760,000
148 SCOTTSDALE Drive, Ponte Vedra
4 / 2.5 bd/ba · 2,751 sq ft · $276/sq ft
Courtesy of ONE SOTHEBY'S INTERNATIONAL REALTY · View details →
Sold Aug 2026
$579,999
124 CAPTIVA Drive, Ponte Vedra
5 / 3 bd/ba · 2,794 sq ft · $208/sq ft
Courtesy of DJ & LINDSEY REAL ESTATE · View details →
Sold Oct 2026
$610,000
287 CAPTIVA Drive, Ponte Vedra
4 / 2.5 bd/ba · 2,677 sq ft · $228/sq ft
Courtesy of CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST · View details →
Sold Jun 2026
$560,000
501 CAPTIVA Drive, Ponte Vedra
4 / 3 bd/ba · 2,677 sq ft · $209/sq ft
Courtesy of PURSUIT REAL ESTATE, LLC · View details →
Sold May 2026
$560,000
81 PRINCESS Drive, Ponte Vedra
3 / 2.5 bd/ba · 2,419 sq ft · $232/sq ft
Courtesy of NAVY TO NAVY HOMES LLC · View details →
Sold Mar 2026
$630,000
55 PRINCESS Drive, Ponte Vedra
3 / 2.5 bd/ba · 2,257 sq ft · $279/sq ft
Courtesy of LOWEST FEE REALTY LLC · View details →
Median of these 6 sales: $610,000 ($228/sq ft). Stronger local evidence. Shown for general reference only — not an appraisal or a statement of this home’s value.
The Messtimate™ · automated estimate
The Messtimate
Our automated estimate of the likely sale-price range for this home — modeled from recent closed sales nearby adjusted to today's market, a local size-and-age model, and the county tax roll. It is an estimate, not an appraisal, not market value, and not an offer. A licensed agent's CMA sees the condition, the lot, and the live market that a model can't.
$577,400the mess$708,600
Strong local evidence — built from 6 comparable closed sales in Kelly Pointe (same property type, closed within the last 18 months, each adjusted to today's market); the St. Johns County 2025 tax roll just value ($575,281) × the local sale-to-roll ratio of 40 nearby sales.
Track record: across 2,976 recent closed sales we scored, the closed price landed inside the Messtimate range 57% of the time; median miss 9.3% (closed sales statewide, FL + GA feeds that permit an automated estimate). Re-scored weekly; last 2026-10-24.
Actual list price: $699,000 ($254/sq ft) — the seller's asking price is not an input to this range; compare the two.
A 23% spread on the same house — here is what a model can't see:
Condition & updates — a renovated kitchen or new roof vs. dated finishes can swing value six figures.
The lot & views — a premium golf, water, or preserve lot vs. a road-facing one.
The pool — a private pool carries cost and value the model only sees through the comps.
Carrying costs & concessions — this home carries HOA dues of $49/mo; insurance, CDD/HOA and seller-paid buydowns change what a buyer actually pays.
And what the live market is doing right now:
This home: listed Oct 8, 2026 on market vs. a 78-day community median
0 active listings competing, 1 under contract
7 closed here in the last 12 months
Want a property-specific value from a licensed agent? A Momentum Realty agent will do a real, free comparative market analysis — walking the home, the lot, the condition, and the live market.
Methodology: 20th–80th percentile band combining time-adjusted $/sq ft of comparable closed sales (6) + tax-roll just value × local sale-to-roll ratio (40 sales, double weight); MLS closed-sale records and the FL DOR 2025 certified tax roll. Automated valuation model output for general information only — not an appraisal, not market value, not an offer, and not reviewed by a licensed appraiser. Updated October 28, 2026.
Momentum Scores
Momentum Property Score
56/100
Strongest on: Flood safety (95), Pricing power (78)
0 limited50100 exceptional
56/100 is solid, mid-pack across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.
A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.
Price vs area21
This home $254/sq ft vs the community 12-month median $228/sq ft.
Affordability26
List price $699,000 vs the community median $610,000. Not a measure of personal affordability.
Flood safety95
FEMA Zone X, ~31 ft elevation. Verify the parcel with FEMA.
Insurance cost76
From FEMA Zone X and a 2011 build. Obtain a property-specific quote.
Market liquidity38
Community median 78 days on market (12-month record).
Pricing power78
Recent sales closed at about 92.4% of original asking (~7.6% below). More room below asking generally favors buyers.
Coverage: 6 of 8 indicators had valid data for this home; indicators without data are left out, not scored as zero. Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent comparable sales. They do not measure property condition, quality, or investment suitability, and they are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
Momentum Research
The Momentum read
🟠 Seller-leaning conditions around this listing. 0.0 months of supply in the surrounding market and 20 days on market for this home, against a 78-day area median.Days on market:this home 20Area median: 78 daysWhy it matters: above-median time on market, together with the level of supply, is a clear sign of how much leverage sits with buyers.Momentum Research interpretation of the MLS facts in the snapshot above. Source: Data provided by realMLS. As of October 27, 2026.
🟡 Asking $254 per square foot, about 11% above the community’s $228 median. Kelly Pointe’s 12-month median sold price per square foot is $228. Confidence: Low · 3 closed sales in 12 monthsMLS facts: realMLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
80% of homes in Kelly Pointe are owner-occupied. An estimated 20% are non-owner-occupied, including 7% held in a company or trust and 4% out-of-state owners.Why it matters: a high owner-occupied share typically means fewer rentals nearby and steadier resale demand.Source: Florida Department of Revenue 2025 assessment roll (public records), 179 homes matched. Community-level context.
Recent Kelly Pointe sales closed near 92.4% of original asking.Why it matters: the community’s own record shows how far opening prices typically move, and how often buyers compete without financing.Momentum Research analysis of realMLS records, community-level, 12 months ending October 27, 2026. Aggregates only; deemed reliable but not guaranteed.
Checked against the MLS October 28, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Seen enough photos?
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Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST · MLS # 2168405
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Keep looking
Similar homes for sale near Kelly Pointe
Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.
258 Seamark Drive, Ponte Vedra · $668,094 · 4 bd / 3.0 ba · listed October 28, 2026 (courtesy of WEEKLEY HOMES REALTY)
56 Glen Valley Drive, Ponte Vedra · $895,000 · 3 bd / 3.5 ba · listed October 26, 2026 (courtesy of RE/MAX UNLIMITED)
121 Aspendale Road, Ponte Vedra · $639,900 · 4 bd / 2.5 ba · listed October 23, 2026 (courtesy of RE/MAX SPECIALISTS PV)
164 Latham Drive, Ponte Vedra · $585,000 · 3 bd / 3.0 ba · listed October 23, 2026 (courtesy of COMPASS FLORIDA LLC)
489 Citrus Ridge Drive, Ponte Vedra · $695,000 · 4 bd / 4.0 ba · listed October 23, 2026 (courtesy of CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST)
28 Forest Spring Drive, Ponte Vedra · $415,000 · 2 bd / 2.0 ba · listed October 23, 2026 (courtesy of COLDWELL BANKER VANGUARD REALTY)
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Oct 2026 · Market
St. Johns County denies 4,462-acre Palm Valley farmland housing application under new state enclave law
Commissioners denied 3-2 on Sept. 15 the 4,462-acre Palm Valley application near Nocatee under the state agricultural enclave law, and the county plans to fight it in court. Another proposal of nearly 1,200 acres and about 15,000 homes south of St. Augustine was approved in August, then denied 3-2 on Sept. 28. St. Johns County has received 16 applications under the law.
Why it matters: The outcome of these applications will shape how much new housing supply can be added on rural land in the county. The site is about 4 miles northeast of Kelly Pointe At Nocatee.
UF Health Durbin Park 99-bed hospital opens in northern St. Johns County; Baptist Silverleaf adds emergency department
UF Health Durbin Park, a 99-bed hospital with a 24-hour emergency department on 42.5 acres, held its ribbon-cutting and opens the following week. Baptist Health's Silverleaf campus, about 10 miles south, is adding an emergency department, and AdventHealth and Acadia Health have also opened facilities near I-95. The county's population has grown more than 25% since 2020.
Why it matters: New hospital and emergency capacity shortens drive times to emergency care and adds healthcare jobs in northern St. Johns County. The site is about 5 miles west of Kelly Pointe At Nocatee.
CR 210 widening westbound lanes set to reopen in St. Johns County
News4Jax reported that all westbound lanes of the County Road 210 widening project in St. Johns County were expected to reopen by the end of Friday, July 31, 2026, ahead of the August 10 school year start. The county said it is managing 44 active road projects totaling $183.1 million this year.
Why it matters: Expands roadway capacity on a major county corridor, improving traffic flow and supporting continued growth along the CR 210 area. The site is about 2 miles south of Kelly Pointe At Nocatee.
Publix opens and more retailers coming to Marketplace at Nocatee
An official Nocatee business update reported that a Publix supermarket with a pharmacy drive-thru and adjacent Publix Liquors has opened at Marketplace at Nocatee. Additional announced tenants include SoFresh in late summer 2026, a Gate gas station, BODYBAR Pilates, a nail spa and a wine and spirits shop. The Hub at Nocatee entertainment concept is slated for 2028.
Why it matters: Expands grocery, dining and everyday retail capacity at a growing town center, adding anchor and service tenants that build out the commercial base of the area. The site is about 2 miles southeast of Kelly Pointe At Nocatee.
See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.
Schools currently assigned to this address in St. Johns County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
Palm Valley AcademyAssigned elementary school · St. Johns County School District
Palm Valley AcademyAssigned middle school · St. Johns County School District
GRADEA
Allen D. NeaseAssigned high school · St. Johns County School District · Grade A (Florida DOE 2025-26)
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
What's nearby
Drive times to everyday places
Approximate driving times to verified nearby destinations. Estimates for general reference; actual times vary with traffic and route.
Groceries
Palmetto Foods Distribution 4 min
Dining
Fresh Kitchen 6 min
Shopping
The Shoppes of St. Johns 12 min
Parks
Twenty Mile Park 3 min
Nearby & guides
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Items worth confirming for 109 CAPTIVA Drive, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 2011 (15 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
HOA dues are listed at $49/mo: request the current budget, reserves, and rules before relying on that figure or on any restriction.
FEMA flood zone X: flood insurance is not usually required, but get a quote anyway — FEMA reports roughly one in four flood claims come from outside high-risk zones.
Get a homeowners insurance quote for this specific address in St. Johns County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
Private pool: confirm the barrier or alarm meets the state residential pool safety code and ask for pump, heater, and resurfacing records.
Listed living area is 2,752 sq ft: verify it against the property appraiser's record and measure before relying on it.
Order a survey to confirm lot boundaries and easements.
Review permit history with the county.
Property taxes: the estimate on this page (about $8,750/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $4,150 more per year than the current owner’s estimated bill (+90%). Exemptions and portability change the actual bill — confirm with the county property appraiser.
School zoning shown here comes from district data and changes; confirm the assigned schools directly with the district before relying on them.
Provenance
Data sources & freshness
Listing record
realMLS, checked against the MLS hourly (last: October 28, 2026)
Comparable sales
realMLS closed sales in Kelly Pointe, last 18 months, as of October 27, 2026
Flood zone & elevation
FEMA flood maps + USGS elevation (Zone X shown above)
Taxes & monthly cost
Certified county tax roll (parcel-matched) × county millage; an estimate, not a bill
Insurance figure
Modeled estimate; obtain a real quote before offering
Schools
2025-26 district assignments; verify with the district
Momentum Research lines are our own analysis of realMLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Answered before you ask
Frequently asked questions
How big is 109 CAPTIVA Drive and when was it built?
Per the listing record, 109 CAPTIVA Drive was built in 2011 and has 2,752 sq ft of living area, 4 bedrooms and 2.5 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 109 CAPTIVA Drive in?
109 CAPTIVA Drive is in Kelly Pointe in Ponte Vedra, St. Johns County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Does 109 CAPTIVA Drive have an HOA, and how much are the dues?
The listing reports HOA dues of $49 per month. Dues, what they cover, and the community's rules should be confirmed from the association's current documents before relying on them.
Why might property taxes on 109 CAPTIVA Drive differ from the current owner's?
The estimate on this page (about $8,750 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $4,150 more per year than the current owner’s estimated bill (+90%). Florida reassesses a home after it sells; for a homesteaded seller the Save Our Homes cap on their assessment does not transfer, and a buyer's own exemptions and portability are applied separately, so the two bills usually differ. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 109 CAPTIVA Drive in a flood zone?
The FEMA flood map places this parcel in Zone X, outside the special flood hazard area, so flood insurance is not usually required by a lender. It is still available and worth quoting; confirm the parcel's status with FEMA and your insurer.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
Ready when you are
See 109 CAPTIVA Drive in person
Private tours available 7 days a week, in person or by live video walkthrough. Request a tour or send a question and a licensed Momentum Realty agent will follow up.
Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply county millage to the list price (less the homestead exemption where the parcel is matched to the certified roll) and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.
Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email jon@movewithmomentum.com and we will review and correct or remove it promptly.
Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.
No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.
Sold price and details are from public records and the MLS, deemed reliable but not guaranteed. Shown for comparison only — not an appraisal or a statement of this home's value.
