65 days on market (MLS)Single Family ResidenceOpen house Sat, Oct 24, 12 PM–3 PM
$1,039,000
6-Bedroom Pool Home in Greenleaf Village
95 Howland Drive, Ponte Vedra, FL 32081
Single Family Residence in Greenleaf Village, Ponte Vedra · No CDD on record
Greenleaf Village · Ponte Vedra, FL 32081 · St. Johns County
Listing data updated October 21, 2026 at 11:41 PM ET · checked against the MLS hourly
Listed by KELLER WILLIAMS ST JOHNS (MLS) · Page maintained by Momentum Realty (EAB RE Investments LLC) · Brittany Brooks, broker of record
6Bedrooms
4.5Bathrooms
3,458Sq Ft
2012Year Built
$300Per Sq Ft
Private pool3-car garageNo CDD on recordFEMA Zone X6 bedrooms
Open house
Sat, Oct 24, 12 PM–3 PM
Times per the listing broker in the MLS; confirm before you go. Updated hourly.
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.
18% above
$/sq ft vs community
$300 here vs $254 median sold (12 mo)
Buyer leverage
Buyer advantage
65 days on market
5.0 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
Zone X
Flood risk
Minimal hazard per FEMA; ~47 ft elevation
$3k–$6k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
Above 9 of 12
Price vs recent sales
Asking $1.04M tops 9 of the last 12 closed sales; also one of the largest homes here at 3,458 sq ft
As of October 21, 2026, 95 HOWLAND Drive in Greenleaf Village, Ponte Vedra is listed at $1,039,000 (3,458 sq ft, about $300 per sq ft). That is 62% above Greenleaf Village's median closed sale of $639,500 over the last 12 months (22 recorded sales). Per square foot it is above the community's recent $254/sq ft by about 18%. It has been 65 days on market, longer than the community's typical 32 days to contract. Listing facts: built in 2012, a private pool, HOA dues of $23/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 2012 · 14 yrs
3,458 sq ft of living area
3-car garage
Listed at $1,039,000 — recent neighborhood median sale price ~$639,500 (nearby sales; deemed reliable, not an appraisal)
65 days on market
HOA $23/mo (per listing)
School district: St. Johns County SchoolCommunity built 2011–2014Nocatee Farmers' Market · 7 min driveNocatee Community Park (Public) · 7 min driveBluewater Bar & Grill · 9 min drive
Listing description
About this home
Welcome to this one-of-a-kind custom six-bedroom pool home in Nocatee! With an addition completed in 2023, this unique layout features two true primary suites, each with an en-suite bath and double walk-in closets. The downstairs suite includes a show-stopping bath with a clawfoot tub, shower, and brick flooring.
It overlooks a private oasis with a heated saltwater pool and fenced-in yard fronting the preserve. Additional highlights include wainscoting, wallpaper, granite countertops, luxury vinyl flooring, pull-down shades, and a built-in dining bench with storage. Upstairs offers a large laundry room with sink and cabinetry.
The 3rd garage has doors on both sides, perfect for the pool toys or lawn equipment. Enjoy the convenience of Nocatee living with golf cart access to dining and groceries, plus take advantage of the award-winning amenities and social calendar. Schedule your private tour today!
All 46 photos
Description provided by KELLER WILLIAMS ST JOHNS 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$1,039,000
Bed / bath6 / 4.5
Living area3,458 sq ft
Year built2012
Property typeSingle Family Residence
Garage3-car
PoolYes
MLS #2160429
Listing status65 days on market (MLS)
Public records & third-party data
FEMA flood zoneZone X
Ground elevation~47 ft
CountySt. Johns
Area listings5 active · 4 under contract
Estimated first-year tax~$8,935/yr
CDD assessmentNone on record
HOA$23/mo
Calculated estimates
Price per sq ft$300
Estimated monthly payment$6,897
Insurance (illustrative)$3k–$6k/yr
Messtimate range$629,356 – $888,706
Comparable-sales median$639,500
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
$6,897/mo
Principal & interest $5,755/mo83%
Taxes $745/mo11%
Insurance $375/mo5%
HOA $23/mo0%
$6,897/mo at 20% down, 30-yr @ 7.4% · edit any field to update.
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
Buy at the asking price of $1,039,000 and the first-year bill resets to about $13,475/yr (St. Johns County total millage 13.4686 with homestead, FY2025-26); Save Our Homes caps later increases at 3%/yr.
HOA dues
$23/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 $3,000–$6,500/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 2012. An original roof is about 14 years old: inside the 15-year window Florida carriers use, but ask for the roof's permit date before you bind coverage.
Estimated carrying cost at the asking price, before the mortgage: about $1,261/month (tax $1,123, HOA $23, 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.
Property tax (first-year est.)
~$8,935/yr
Estimate: a typical St. Johns effective rate applied to the list price before any exemptions. Florida bills change with reassessment, homestead and other exemptions, and local taxing districts — this is not your expected bill. Confirm with the county property appraiser.
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)
$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.
HOA
$23/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
~47 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 · Greenleaf Village
Pricing & the Greenleaf Village market
How this home is priced against recent nearby sales, and where Greenleaf Village 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 Greenleaf Village
Each dot is a closed sale since 2013 (335 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, 2013–2026. This home lists at $300/sq ft.
Median sale price by year
12-month median closed price, 2013–2026.
Market Heat by year (0–100)
Momentum Market Heat, 2014–2026. Now 56 (normal).
Property timeline
This home’s history
2012BuiltPer public record
About Aug 2026Listed (per MLS)MLS reports 65 cumulative days on market as of October 21, 2026
Aug 17, 2026First seen on movewithmomentum.comObserved at $1,039,000
NowActiveCurrently for sale
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 $1,039,000Momentum Realty · on market 65 days
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 within about 3 miles 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 Sep 2026
$635,000
6323 FOREST STUMP Lane, Jacksonville
5 / 4 bd/ba · 3,504 sq ft · $181/sq ft
· View details →
Sold Sep 2026
$613,000
14228 PALMETTO SPRINGS Street, Jacksonville
5 / 4 bd/ba · 3,376 sq ft · $182/sq ft
· View details →
Sold Jul 2026
$865,000
256 MYRTLE BROOK Bend, Ponte Vedra
5 / 4 bd/ba · 3,366 sq ft · $257/sq ft
· View details →
Sold Aug 2026
$965,000
179 FRESNEL Lane, St. Augustine
5 / 4.5 bd/ba · 3,341 sq ft · $289/sq ft
· View details →
Sold Jun 2026
$775,000
122 WIND CHIME Lane, St. Augustine
5 / 4 bd/ba · 3,340 sq ft · $232/sq ft
· View details →
Sold May 2026
$735,000
143 CONSTANCE Lane, St. Augustine
5 / 4 bd/ba · 3,332 sq ft · $221/sq ft
· View details →
Median of these 6 sales: $639,500 ($254/sq ft). Stronger local evidence. Shown for general reference only — not an appraisal or a statement of this home’s value.
Momentum Scores
Momentum Property Score
47/100
Strongest on: Flood safety (95), Insurance cost (77)
0 limited50100 exceptional
47/100 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 area5
This home $300/sq ft vs the community 12-month median $254/sq ft.
Affordability0
List price $1,039,000 vs the community median $639,500. Not a measure of personal affordability.
Flood safety95
FEMA Zone X, ~47 ft elevation. Verify the parcel with FEMA.
Insurance cost77
From FEMA Zone X and a 2012 build. Obtain a property-specific quote.
Market liquidity57
Community median 32 days on market, ~5.0 months of supply (12-month record).
Pricing power53
Recent sales closed at about 97.5% of original asking (~2.5% below). More room below asking generally favors buyers.
Market timing44
Momentum Market Heat is 56/100 (normal). Cooler readings generally favor buyers; hotter readings favor sellers.
Coverage: 7 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
🟢 Buyer-leaning conditions around this listing. 5.0 months of supply in the surrounding market and 65 days on market for this home, against a 32-day area median.Days on market:this home 65Area median: 32 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 20, 2026.
🟡 Asking $300 per square foot, about 18% above the community’s $254 median. Greenleaf Village’s 12-month median sold price per square foot is $254. Median sold price per square foot is up 2.8% year over year. Confidence: High · 22 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.
83% of homes in Greenleaf Village are owner-occupied. An estimated 17% are non-owner-occupied, including 5% held in a company or trust and 3% 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), 352 homes matched. Community-level context.
Recent Greenleaf Village sales closed near 97.5% 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 20, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 5 active listings in Greenleaf Village, no CDD assessment.
Updated October 21, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by KELLER WILLIAMS ST JOHNS · MLS # 2160429
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Keep looking
Similar homes for sale near Greenleaf Village
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.
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 6 miles northeast of Greenleaf Village 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 3 miles northwest of Greenleaf Village 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 1 mile east of Greenleaf Village Nocatee.
Six agricultural enclave projects seek to develop 6,500-plus acres in St. Johns County
Jacksonville Today reported that St. Johns County received six proposals totaling more than 6,558 acres for development under a new Florida agricultural enclave law that took effect July 1, 2026. The largest proposal, about 4,462 acres north of Nocatee, comes from the Davis family and the PARC Group. The County Commission scheduled a public hearing on the proposals for August 19, 2026.
Why it matters: Signals a large potential expansion of developable land and future housing and commercial capacity, using a new state process that can convert farmland to residential and commercial use with reduced local review. The site is about 3 miles east of Greenleaf Village 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.
Valley Ridge AcademyAssigned elementary school · St. Johns County School District
Valley Ridge 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
Nocatee Farmers' Market 7 min
Dining
Bluewater Bar & Grill 9 min
Shopping
The Shoppes of St Johns Oaks 16 min
Parks
Nocatee Community Park (Public) 7 min
Nearby & guides
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Items worth confirming for 95 HOWLAND Drive, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 2012: confirm the roof and HVAC install dates and whether any builder or manufacturer warranty transfers.
HOA dues are listed at $23/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 3,458 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 $8,935/yr) assumes reassessment at the list price; the seller's current bill is not a guide 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 21, 2026)
Comparable sales
realMLS closed sales within about 3 miles, last 18 months, as of October 20, 2026
Flood zone & elevation
FEMA flood maps + USGS elevation (Zone X shown above)
Taxes & monthly cost
Typical county effective rate applied to the list price; 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 95 HOWLAND Drive and when was it built?
Per the listing record, 95 HOWLAND Drive was built in 2012 and has 3,458 sq ft of living area, 6 bedrooms and 4.5 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 95 HOWLAND Drive in?
95 HOWLAND Drive is in Greenleaf Village in Ponte Vedra, St. Johns County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Does 95 HOWLAND Drive have an HOA, and how much are the dues?
The listing reports HOA dues of $23 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 95 HOWLAND Drive differ from the current owner's?
The estimate on this page (about $8,935 per year) assumes reassessment at the list price less the homestead exemption. 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 95 HOWLAND 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 95 HOWLAND 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 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.
