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SAMPLE DATA for a showcase/template build (no live MLS bind yet).
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11 days on marketSingle Family Residence
$1,200,000
5-Bedroom Home in Settlers Landing
41 HARPERS MILL Drive, Ponte Vedra, FL 32081
Single Family Residence in Settlers Landing, Ponte Vedra · No CDD · Built 2022
Settlers Landing · Ponte Vedra, FL 32081 · St. Johns
Listing data updated July 15, 2026 · refreshed twice daily
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New — 6 days on marketSingle Family Residence
$1,200,000
41 HARPERS MILL Drive, Ponte Vedra, FL 32081
Single Family Residence in Settlers Landing, Ponte Vedra · No CDD · FEMA Zone X · Built 2022
Settlers Landing · Ponte Vedra, FL 32081 · St. Johns
Listing data updated July 10, 2026 · refreshed twice daily
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5Bedrooms
4Bathrooms
3,118Sq Ft
2022Year Built
$385Per Sq Ft
Waterfront2-car garageNo CDDFEMA Zone X5 bedrooms
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Momentum Research: independent market analysis, flood data, insurance estimates, buyer leverage, and objective property scoring, alongside the MLS listing. Not just the listing sheet.
33% above
$/sq ft vs community
$385 here vs $289 median sold (12 mo)
Buyer leverage
Buyer advantage
11 days on market
8.0 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
Zone X
Flood risk
Minimal hazard per FEMA; ~44 ft elevation
$3k–$6k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
Above 7 of 12
Price vs recent sales
Asking $1.20M tops 7 of the last 12 closed sales; also one of the largest homes here at 3,118 sq ft
Listed at $1,200,000 — recent neighborhood median sale price ~$691,450 (nearby sales; deemed reliable, not an appraisal)
11 days on market
HOA ~$50/mo (estimate; confirm)
School district: Nocatee CDD County St. Johns County Florida Schools St. Johns County SchoolsCommunity built 1986–2024Baptist Heart Specialists · 2 min driveNocatee Community Park (Public) · 3 min driveThe Kookaburra Nocatee · 3 min drive
Momentum Research · Settlers Landing
Pricing & the Settlers Landing market
How this home is priced against recent nearby sales, and where Settlers Landing 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.
Price vs. size in Settlers Landing
Each dot is a closed sale since 2001 (400 total). This home is the gold marker.
Sale price (y) by living area in sq ft (x). realMLS closed sales.
Median $/sq ft by year
Community sold $/sq ft, 2012–2026. This home lists at $385/sq ft.
Median sale price by year
12-month median closed price, 2012–2026.
Market Heat by year (0–100)
Momentum Market Heat, 2013–2026. Now 21 (cold).
Property timeline
This home’s history
2022BuiltPer public record
Jul 10, 2026First trackedObserved at $1,200,000
NowActiveCurrently for sale
Build year is from public record. Listing 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.
Financing
Estimated monthly payment
$7,339/mo
Principal & interest $6,080/mo83%
Taxes $860/mo12%
Insurance $349/mo5%
HOA $50/mo1%
$7,339/mo at 20% down, 30-yr @ 6.52% · edit any field to update.
Strongest on: Flood safety (95), Buyer competition (83)
0 limited50100 exceptional
49/100 is below average 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 area0
This home $385/sq ft vs the community 12-month median $289/sq ft.
Affordability0
List price $1,200,000 vs the community median $691,450. Not a measure of personal affordability.
Flood safety95
FEMA Zone X, ~44 ft elevation. Verify the parcel with FEMA.
Insurance cost80
From FEMA Zone X and a 2022 build. Obtain a property-specific quote.
Market liquidity35
Community median 50 days on market, ~8.0 months of supply (12-month record).
Renovation upside10
From a 2022 build and $385/sq ft vs the community median $289/sq ft. Not a condition assessment.
Buyer competition83
17% of recent closings here paid cash. A higher cash share means more competition from buyers who don't need financing (lower score).
Pricing power61
Recent sales closed at about 95.8% of original asking (~4.2% below). More room below asking generally favors buyers.
Market timing79
Momentum Market Heat is 21/100 (cold). Cooler readings generally favor buyers; hotter readings favor sellers.
Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent nearby sales. They are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
Momentum Research
The Momentum read
🟢 Buyer-leaning conditions around this listing. 8.0 months of supply in the surrounding market and 11 days on market for this home, against a 50-day area median.Days on market:this home 11Area median: 50 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 July 14, 2026.
🟡 Asking $385 per square foot, about 33% above the community’s $289 median. Settlers Landing’s 12-month median sold price per square foot is $289. Median sold price per square foot is down 9.6% year over year. Confidence: Medium · 18 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.
55% of homes in Settlers Landing are owner-occupied. An estimated 45% are non-owner-occupied, including 18% held in a company or trust and 21% 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), 301 homes matched. Community-level context.
Recent Settlers Landing sales closed near 95.8% of original asking. Cash paid for about 17% of recent closings here.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 July 14, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 8 active listings in Settlers Landing, no CDD assessment.
Updated July 15, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Listing description
About this home
Rare opportunity to own a former Providence Ellaville model home where refined design and elevated craftsmanship converge. A grand foyer with inlay tile sets a striking first impression, introducing a residence defined by curated detail. Rich herringbone wood floors flow through main living areas, complemented by custom millwork, upgraded baseboards, crown molding, and designer lighting.
A private study with custom built-ins offers a quiet retreat. The gourmet kitchen features quartz countertops, 42'' cabinetry with 18'' stacked uppers, and a dramatic waterfall island opening seamlessly to the café area and expansive great room--ideal for entertaining. The main level includes four bedrooms, including a serene owner's suite with spa-inspired bath and custom closet.
Upstairs offers a flexible fifth bedroom with full bath for guests or bonus living. Screened paver patio and summer kitchen overlook tranquil pond and preserve views. A 2.5-car garage completes this distinctive home.
Description provided by HERRON REAL ESTATE LLC and reproduced from the MLS; not independently verified.
Property facts & sources
Every fact, sourced
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$1,200,000
Bed / bath5 / 4
Living area3,118 sq ft
Year built2022
Property typeSingle Family Residence
Garage2-car
MLS #2153748
Listing status11 days on market
Public records & third-party data
FEMA flood zoneZone X
Ground elevation~44 ft
Windstorm exposureModerate
CountySt. Johns
Area listings8 active · 1 under contract
Estimated first-year tax~$10,320/yr
CDD assessmentNone on record
HOA (estimate)$50/mo
Calculated estimates
Price per sq ft$385
Estimated monthly payment$7,339
Insurance (illustrative)$3k–$6k/yr
Messtimate range$947,872 – $1,128,716
Comparable-sales median$691,450
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
This is a deliberately dumb estimate — living area times a range of recent neighborhood $/sq ft, and nothing else. It is not an appraisal, not market value, and not a valuation of this home. Even a tight range from comparable sales can’t price a specific home — here’s why.
$947,872the mess$1,128,716
Actual list price: $1,200,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 19% spread on the same house — and that gap is exactly what an automated guess can't see:
Condition & updates — a renovated kitchen or new roof vs. dated finishes can swing value six figures; sq ft can't see it.
The lot & views — a premium golf, water, or preserve lot vs. a road-facing one: same sq ft, very different price.
Outliers skew it — one flip or distressed sale in the comps drags the whole $/sq ft up or down.
Carrying costs & concessions — CDD, HOA, insurance, and seller-paid buydowns change what a buyer actually pays.
And here's what the live market is doing — which the number above ignores entirely:
This home: 11 days on market vs. a 50-day community median
8 active listings competing, 1 under contract
≈8.0 months of supply
12 closed here in the last 12 months
For reference, this home is listed at $1,200,000 ($385/sq ft) — a number set with analysis a Messtimate can't do.
Want a property-specific review 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. That's the difference between a Messtimate and a valuation.
Methodology: 3,118 sq ft × $304–$362/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated July 15, 2026.
Keep looking
Similar homes for sale near Settlers Landing
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.
Listed for $1,200,000Momentum Realty · on market 11 days
Public records
Building permits
Permit history not yet linkedAdd county permit records via overrides
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Highlights
No CDD assessment on record
FEMA Zone X — flood insurance generally not federally required
Built 2022 · 4 yrs
3,118 sq ft of living area
2-car garage
$385/sq ft — compared with the displayed median of $348 from recent nearby sales
Listed at $1,200,000 — recent neighborhood median sale price ~$877,000 (nearby sales; deemed reliable, not an appraisal)
New to market
HOA ~$50/mo (estimate; confirm)
School district: Nocatee CDD County St. Johns County Florida Schools St. Johns County SchoolsCommunity built 1986–2024Baptist Heart Specialists · 2 min driveNocatee Community Park (Public) · 3 min driveThe Kookaburra Nocatee · 3 min drive
This listing is shown at $1,200,000, with 5 bedrooms and 4 bathrooms, and 3,118 square feet. The page displays an estimated monthly payment, FEMA flood-zone information, estimated ownership costs, a source-tagged Momentum Fact Check, and recent comparable-sale data where available. All estimates should be independently verified.
Momentum Snapshot
The whole picture, at a glance
Property
Bedrooms5
Bathrooms4
Living area3,118 sq ft
Year built2022
Property typeSingle Family Residence
Financial
Est. monthly payment$7,517
Est. taxes / yr~$10,320
Est. insurance / yr~$4,183
HOA$50/mo
CDDNone on record
Price / sq ft$385
Risk
Flood zoneZone X · minimal hazard (FEMA)
Ground elevation~44 ft
Wind exposureCoastal — obtain a quote
Insurance (est.)~$4,183/yr
Market
Days on market6
Neighborhood median DOM89
Active listings (area)10
Months of supply9.2
Comparable-sales median$877,000
This home6d
Area median89d
Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Visual snapshot
The numbers, at a glance
Flood risk
Zone X
Minimal hazard, outside the SFHA per FEMA
Est. insurance
~$4,183/yr
Estimated homeowners premium; get a real quote.
Months of supply
9.2 mo
Under 3 months typically favors sellers; 3–6 is balanced; over 6 favors buyers.
Market activity
3/100
Slower market — from supply, under-contract share, and days on market.
Estimated monthly payment
$7,517/mo
Principal & interest $6,258/mo83%
Taxes $860/mo11%
Insurance $349/mo5%
HOA $50/mo1%
Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Momentum Scores
Momentum Property Score
34/100
Strongest on: Flood safety (95), Insurance cost (80)
A rules-based composite of the objective indicators below — each computed from listing facts, public records, and recent nearby sales, not opinion.
How to read it: a higher score means more of these objective measures line up in a buyer’s favor — for example, priced competitively against recent nearby sales, lower carrying costs, or lower flood risk. A lower score means fewer do. It reflects only the indicators below — not the home’s quality, condition, or desirability, and nothing about who should live there.
Price vs area23
This home $385/sq ft vs area median $348/sq ft from recent nearby sales.
Affordability0
List price $1,200,000 vs area median $877,000. Not a measure of personal affordability.
Flood safety95
FEMA Zone X, ~44 ft elevation. Verify the parcel with FEMA.
Insurance cost80
From FEMA Zone X and a 2022 build. Obtain a property-specific quote.
Market liquidity19
Area median 89 days on market, ~9.2 months of supply.
Investment metrics10
Objective supply and demand metrics for the area - not investment advice.
Renovation upside10
From a 2022 build and $385/sq ft vs area $348/sq ft. Not a condition assessment.
Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent nearby sales. They are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
Listing facts & disclosures
$1,200,000
List price
As listed in the MLS
5 / 4
Bed / bath
Per the listing
3,118
Living area
Sq ft (approx.)
$385
Price / sq ft
List ÷ living area
The home
Year built2022
Per public record.
Property typeSingle Family Residence
Per the listing.
Costs
HOA$50/mo
Disclosure — confirm exact dues and inclusions.
CDD assessmentNone on record
Estimate/disclosure — confirm the parcel's actual CDD with the county.
Est. first-year tax~$10,320/yr
Opinion/estimate at typical county millage — your assessed bill will differ. Do not rely on this.
Site & risk
FEMA flood zoneZone X · minimal hazard (FEMA)
From the FEMA flood map; verify the parcel.
Ground elevation~44 ft
Approximate parcel elevation (USGS).
WindstormModerate
Coastal exposure varies; obtain an insurer quote.
Please note. Figures such as estimated taxes, insurance, CDD/HOA amounts, payments, and any market or comparable-sales summary are opinions and estimates for general information only, may be inaccurate, are not appraisals or advice, and should not be relied upon. Verify everything independently before making any decision.
How this home's list $/sq ft compares with recent nearby closed sales, and how prices in the community have moved. Public-record reference only — not an appraisal or a statement of value.
This home's $/sq ft vs. nearby sales
Recent sold prices in this community
The Messtimate™
The Messtimate: $947,872 – $1,128,716
This is a deliberately dumb estimate — living area times a range of recent neighborhood $/sq ft, and nothing else. It is not an appraisal, not market value, and not a valuation of this home. Even a tight range from comparable sales can’t price a specific home — here’s why.
$947,872the mess$1,128,716
Actual list price: $1,200,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 19% spread on the same house — and that gap is exactly what an automated guess can't see:
Condition & updates — a renovated kitchen, new roof, or older interior finishes can swing value six figures. Sq ft can't see it.
The lot — a premium waterfront, conservation, or cul-de-sac lot vs. a road-facing one: same sq ft, very different price.
Outliers skew it — one flip or one distressed sale in the comps drags the whole $/sq ft up or down.
Layout & beds/baths — two homes at 2,000 sq ft with 3/2 vs. 4/3 don't sell for the same number.
Views & orientation — golf, water, or preserve views aren't in the square footage.
Upgrades & systems — solar, pool, impact windows, new HVAC: real money, invisible to a calculator.
Unpermitted or mismeasured sq ft — public records are often wrong, and unpermitted additions don't count.
Carrying costs — CDD bonds, HOA dues, and flood-zone insurance change what a buyer will actually pay.
Timing & concessions — the market moves monthly, and seller-paid rate buydowns hide the true price.
School zoning & micro-location — one street over can mean a different school, and a different price.
And here's what the live market is doing — which the number above ignores entirely:
This home: 6 days on market vs. a ~89-day neighborhood median
10 active listings competing in Settlers Landing
1 under contract now
9% of for-sale inventory is currently under contract (under contract + pending, as a share of all for-sale inventory)
≈9.2 months of supply (one market-context metric; should not be used alone)
Median sale price is up 1381% over the last 93 months
Homes here sell at about 97.6% of list price
13 closed here in the last 12 months
For reference, this home is listed at $1,200,000 ($385/sq ft) — a number set with analysis a Messtimate can't do.
Want a property-specific review 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. That's the difference between a Messtimate and a valuation.
Methodology: 3,118 sq ft × $304–$362/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated July 10, 2026.
Market analysis
Settlers Landing market analysis
Local market conditions - current inventory and, where available, recent trends. Reference only, not a forecast or valuation. Source: realMLS (Northeast Florida Multiple Listing Service).
10Active listings
1Under contract
0New this month
9.2Months of supply
89Median days on market
9%Under-contract share
Current area inventory and velocity from live MLS counts. Reference only, not a forecast or valuation.
Median sale price
Median $/sq ft
Median days on market
Homes sold per month
Property timeline
This home’s history
2022BuiltPer public record
NowActiveCurrently for sale
Build year is from public record. Listing 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.
If you rent it out
Investment snapshot
Objective rental and cash-flow estimates for a buyer weighing this as an investment. Rough figures for general information only — not a guarantee of rent, an appraisal, or investment advice. Verify independently.
Estimated rent$5,500 – $8,000/moa rough gross-rent-yield range on list price (comp-based estimate coming).
Estimated cap rate4.8%Net operating income ÷ list price; excludes financing.
Est. monthly cash flow−$2,176 – +$74At 25% down, 30-yr; after a 10% vacancy/maintenance/management reserve.
Momentum Fact Check
Every number, sourced
We separate what is listing data, what comes from public records, what we calculate or estimate, and what a buyer should verify. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
List price$1,200,000
Bed / bath5 / 4
Living area3,118 sq ft
Year built2022
Property typeSingle Family Residence
MLS #2153748
Listing statusNew — 6 days on market
Days on market6
Public records & third-party data
FEMA flood zoneZone X
Ground elevation~44 ft
CountySt. Johns
Estimated first-year tax~$10,320/yr
CDD assessmentNone on record
HOA (estimate)$50/mo
Calculated estimates
Price per sq ft$385
Estimated monthly payment$7,517
Estimated insurance~$4,183/yr
Messtimate range$947,872 – $1,128,716
Comparable-sales median$877,000
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
No surprises at closing
Estimate a monthly payment
A tool to estimate a monthly payment. All values are editable estimates, not a loan offer or a statement about this property. Property tax, insurance, CDD, and HOA figures are approximations — verify each independently.
Estimated monthly payment
$7,517
Principal & interest$6,258
Property tax$860
Insurance$349
CDD assessment$0
HOA$50
PMI$0
Down payment $240,000 · Loan $960,000. Estimate only — not a loan offer. We'll connect you with a local lender for an exact quote.
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Estimated ownership costs
Estimated costs & disclosures
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Estimated ownership costs for general information. Confirm each with the county, your lender, and an insurer. See data & estimate notes.
Property tax (first-year est.)
~$10,320/yr
A rough first-year estimate only, applying a typical St. Johns rate to the list price before any exemptions. Florida bills vary substantially after reassessment, homestead and other exemptions, and local taxing districts — this is not your expected bill. Confirm with the county property appraiser.
CDD assessment
None
No CDD assessment on record for this community.
Insurance (illustrative range)
$3k–$6k/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.
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Estimates and disclosures for general information only. These are opinions/approximations, not guarantees, and should not be relied upon — confirm every figure with the county, your lender, and an insurer.
Property tax reset
~$10,320/yr
The seller likely pays less due to the homestead cap. At a $1,200,000 purchase, expect your first full-year St. Johns bill near $10,320 before exemptions.
CDD assessment
None
No CDD assessment on record for this community.
Insurance
~$4,183/yr
Estimate for a 2022 build in St. Johns. Newer construction and wind-mitigation features lower premiums. Flood not mandated (Zone X).
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HOA
$50/mo
Covers the master association & common areas. Confirm exact dues and what they include.
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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
~44 ft
Approximate parcel elevation from USGS. Run --online for a live reading.
Windstorm / insurance
Obtain a quote
This is a coastal Florida county. Premiums and coverage vary by home; obtain a quote from a licensed insurer.
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Connectivity
Internet & broadband
Fiber
Check availability
AT&T Fiber covers much of NE Florida. Run --online or confirm at the address.
Cable
Likely
Xfinity/Spectrum cable broadband is widely available.
5G Home
Backup
T-Mobile / Verizon fixed-wireless as a backup option.
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Market data · public records
Recent sales activity in Settlers Landing
Recent comparable closed sales near this home, from public records. Summary figures are for general reference only and are not a valuation of this property. See the Settlers Landing neighborhood guide for more.
Comparable sales found
6
Recent nearby closings in the data set.
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Community median sale price
$691,450
Canonical 12-month median closed price. Reference only.
Community median $/sq ft
$289
Canonical 12-month median $/sq ft. Reference only.
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Median sale price (set)
$877,000
Median closed price of the comparable set. Reference only.
Median $/sq ft (set)
$348
Median $/sq ft of the comparable set. Reference only.
This home $/sq ft
$385
List price divided by living area. Provided as data, not a value judgment.
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Go deeper on Settlers Landing
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.
Approximate driving times to verified nearby destinations. Estimates for general reference; actual times vary with traffic and route.
Groceries
Publix Super Market at Marketplace at Nocatee 4 min
Dining
ZENSHI Handcrafted Sushi 4 min
Shopping
The Shoppes of St. Johns 4 min
Parks
Nocatee Community Park (Public) 3 min
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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
Publix Super Market at Marketplace at Nocatee 4 min
Dining
ZENSHI Handcrafted Sushi 4 min
Shopping
The Shoppes of St. Johns 4 min
Parks
Nocatee Community Park (Public) 3 min
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Assigned schools
Assigned schools
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.
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Pine Island AcademyAssigned elementary school · St. Johns County School District
Pine Island 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 →
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Pine Island AcademyPublic K-8 · St. Johns County School District
Allen D. Nease High SchoolPublic 9-12 · St. Johns County School District
Palm Valley AcademyPublic K-8 · St. Johns County School District
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How it stacks up
Comparable recent sales
Recent closed sales nearby, with photos, so you can compare. Sold prices are public record, deemed reliable but not guaranteed.
Sold Jun 2026
$1,260,000
46 HARPERS MILL Drive, Ponte Vedra
4 / 3.5 bd/ba · 2,860 sq ft · $441/sq ft
Courtesy of THE AGENCY AT PONTE VEDRA · View details →
Sold Feb 2026
$1,242,500
52 SUNSHINE BASS Court, Ponte Vedra
5 / 4 bd/ba · 3,437 sq ft · $362/sq ft
Courtesy of CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST · View details →
Sold Dec 2025
$925,000
141 SETTLERS LANDING Drive, Ponte Vedra
4 / 3 bd/ba · 2,742 sq ft · $337/sq ft
Courtesy of RE/MAX UNLIMITED · View details →
Sold Aug 2025
$708,000
126 SPINNER Drive, Ponte Vedra
4 / 2.5 bd/ba · 2,332 sq ft · $304/sq ft
Courtesy of KELLER WILLIAMS REALTY ATLANTIC PARTNERS · View details →
Sold Jul 2025
$655,000
55 RAINBOW TROUT Lane, Ponte Vedra
4 / 3 bd/ba · 2,326 sq ft · $282/sq ft
Courtesy of REALTY ONE GROUP ELEVATE · View details →
Sold Jul 2026
$829,000
74 SETTLERS LANDING Drive, Ponte Vedra
4 / 2.5 bd/ba · 2,310 sq ft · $359/sq ft
Courtesy of KARSTEN REAL ESTATE TEAM · View details →
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Community 12-month median: $289/sq ft. Shown for general reference only — this is not an appraisal or a statement of this home's value. Sold prices are public record and deemed reliable but not guaranteed.
If you rent it out
Investment snapshot
Objective rental and cash-flow estimates for a buyer weighing this as an investment. Rough figures for general information only — not a guarantee of rent, an appraisal, or investment advice. Verify independently.
Estimated rent$5,500 – $8,000/moa rough gross-rent-yield range on list price (comp-based estimate coming).
Estimated cap rate4.8%Net operating income ÷ list price; excludes financing.
Est. monthly cash flow−$2,009 – +$241At 25% down, 30-yr; after a 10% vacancy/maintenance/management reserve.
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Median of the set: $348/sq ft. Shown for general reference only — this is not an appraisal or a statement of this home's value. Sold prices are public record and deemed reliable but not guaranteed.
Keep looking
Similar homes for sale near Settlers Landing
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.
A neutral list of items to confirm for any home. This is general guidance, not advice about this specific property.
Confirm roof age and condition during inspection.
Confirm HVAC age and condition during inspection.
Request current HOA documents before relying on dues or restrictions.
Obtain an insurance quote for this specific property.
Confirm school zoning directly with the district.
Order a survey to confirm lot boundaries.
Review permit history with the county.
Confirm whether flood insurance is required for this parcel.
Confirm square footage and room dimensions independently.
Ask the county how property taxes may change after a sale.
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Listing description
About this home
Rare opportunity to own a former Providence Ellaville model home where refined design and elevated craftsmanship converge. A grand foyer with inlay tile sets a striking first impression, introducing a residence defined by curated detail. Rich herringbone wood floors flow through main living areas, complemented by custom millwork, upgraded baseboards, crown molding, and designer lighting. A private study with custom built-ins offers a quiet retreat. The gourmet kitchen features quartz countertops, 42'' cabinetry with 18'' stacked uppers, and a dramatic waterfall island opening seamlessly to the café area and expansive great room--ideal for entertaining. The main level includes four bedrooms, including a serene owner's suite with spa-inspired bath and custom closet. Upstairs offers a flexible fifth bedroom with full bath for guests or bonus living. Screened paver patio and summer kitchen overlook tranquil pond and preserve views. A 2.5-car garage completes this distinctive home.
Description provided by HERRON REAL ESTATE LLC and reproduced from the MLS; not independently verified.
The full spec sheet
Property details & features
Interior
Bedrooms5
Bathrooms4
Living area3,118 sq ft
Exterior & lot
TypeSingle Family Residence
Systems
Year built2022
Age4 yrs
Listing
MLS #2153748
StatusActive
Days on market6
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Nearby & commute
Approximate distances
Approximate drive times for general reference only.
realMLS, refreshed twice daily (last: July 15, 2026)
Community market stats
realMLS closed sales, as of July 14, 2026
Flood zone & elevation
FEMA flood maps + USGS elevation (Zone X shown above)
Taxes & monthly cost
Estimated from county rates; not a quote
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.
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Connectivity
Internet & broadband
Fiber
Check availability
AT&T Fiber covers much of NE Florida. Run --online or confirm at the address.
Cable
Likely
Xfinity/Spectrum cable broadband is widely available.
5G Home
Backup
T-Mobile / Verizon fixed-wireless as a backup option.
Transparency
Price & listing history
Listed for $1,200,000Momentum Realty · on market 6 days
Public records
Building permits
Permit history not yet linkedAdd county permit records via overrides
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Answered before you ask
Frequently asked questions
Why might my property taxes differ from the current owner's?
Florida's Save Our Homes rule caps annual assessment increases for homesteaded owners, and the assessment can be re-set after a sale. As a result a new owner's bill may differ from the seller's. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Where does the flood-zone information come from?
The flood designation shown (Zone X) comes from the FEMA flood map and is provided for general information. 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.
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Ready when you are
See 41 HARPERS MILL 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 a typical county millage rate to the list price 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 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.
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.
