Crosswater Village

223 SETTLERS LANDING DR

Ponte Vedra, FL 32081
For Sale $859,000
4 bd · 3 ba · 3,848 sqft · Built 2022
Bryce Spraggins — The HOA Collective
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The data relating to real estate for sale on this website comes in part from the Internet Data Exchange (IDX) program of the Northeast Florida Multiple Listing Service, Inc. Real estate listings held by brokerage firms other than The HOA Collective LLC are marked with the listing broker's name and detailed information about such listings includes the name of the listing brokers. Data provided is deemed reliable but is not guaranteed.

Listing courtesy of WATSON REALTY CORP (ada_rapo@yahoo.com). Information is deemed reliable but not guaranteed. Data from realMLS (Northeast Florida MLS). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

About This Home

Welcome home! Why wait for New Construction, when the house is ready? This beautiful home, situated in a great neighborhood, great lot with a fenced yard water to preserve view, with sprawling almost 3000square feet of living space, high ceilings, summer kitchen, front porch, back porch, paved driveway and backyard with stone earth pavers and a gas fireplace to enjoy nature, entertainment and summer cookout. Welcomed by the large porch and the privacy to the tall ceilings, the ceramic tile throughout the house with guest room and bathroom on the left upon entrance and flex/office space on the right that opens to the large gourmet kitchen and the beautiful windows and the glass doors bringing so much light inside the house. Upstairs featuring owner suite, ensuite as well as 2 other bedrooms, one bathroom, laundry and a landing area to be used as an entertainment space. 4 Bedrooms, 3 baths, one office, one loft and Tandem 2.5 car garage.

Estimated Monthly Payment

What Would I Pay?

Real estimated payments for this home by loan type — including this community's HOA and CDD, estimated taxes (reassessed at the purchase price) and insurance. Adjust anything below.

FHA
3.5% down · $30,065
$7,464/mo
Principal & interest$5,420
Property tax (est.)$778
Insurance (est.)$644
FHA MIP$380
HOA dues$79
CDD assessment$162
Cash to close: ~$30,065 down · MIP financed
VA
$0 down
$7,303/mo
Principal & interest$5,639
Property tax (est.)$778
Insurance (est.)$644
VA fee (financed)$0
HOA dues$79
CDD assessment$162
Cash to close: ~$0 down · VA funding fee financed
Conventional
20% down · $171,800
$6,080/mo
Principal & interest$4,416
Property tax (est.)$778
Insurance (est.)$644
PMI$0
HOA dues$79
CDD assessment$162
Cash to close: ~$171,800 down

Rate: 6.660% (Freddie Mac 30-yr avg, as of Aug 27, 2026). Taxes estimated as purchase price × 85% assessed × this property's 1.37% effective millage, plus actual HOA & CDD. Insurance is a Florida ballpark. Estimates only — your actual rate, taxes, insurance, and mortgage insurance depend on credit, lender, and underwriting. Not a loan offer or commitment.

Property Details

Home Facts

TypeSingle Family
Year built2022
SubdivisionCrosswater Village
Parcel (RE#)070495 0720
Legal description105/1-28 CROSSWATER VILLAGE PHASE 6A LOT 72 OR5567/237 & 5695/1244(Q/C) &57071401(D/M)

Valuation · 2025

Value

Just / Market
$850,000
Assessed
$668,804
Taxable
$618,082
2025 Property Tax
$8,485
Homestead Exemption
Yes $50,000 exempt

Estimated 2025 ad-valorem property tax (County taxable value × millage); excludes non-ad-valorem assessments. Homestead status per the County tax roll.

HOA Dues
$949 / Annually
CDD Assessment
$1,947 / Annually

HOA dues & CDD assessments are community-level (source: MLS). Confirm current amounts with the association or management.

History

Sale History

DatePriceDeed
2021-06-24

Location

Map

How far to
Open in Google Maps →

Utilities

Service Providers

⚡ Electric
Florida Power & Light (FPL)
💧 Water
St. Johns County Utility Department
🚽 Sewer
St. Johns County Utility Department

Providers serving this area — please confirm service directly with the provider.

Schools

Assigned & Nearby Schools

Elementary (zoned)
Nearby Private Schools

Zoned public schools from Duval County Public Schools attendance boundaries — magnet/choice options may also apply. Confirm enrollment with the school district.

Bryce Spraggins, Jacksonville Realtor and licensed Florida real estate broker

List With Me

Selling in Crosswater Village? List with the Realtor built for your community.

I'm Bryce Spraggins, a Jacksonville REALTOR® and licensed Florida real estate broker — and The HOA Collective works Crosswater Village every day. We know your covenants, your comps, and what buyers ask about your neighborhood before they ever tour it.

Got it — thank you. I'll reach out shortly at the number you gave. If it's urgent, call or text 904-747-1HOA.
See the receipts — why homeowners list with us →

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On the Market

Homes for Sale in Crosswater Village

Other active MLS listings in Crosswater Village.

The data relating to real estate for sale on this website comes in part from the Internet Data Exchange (IDX) program of the Northeast Florida Multiple Listing Service, Inc. Real estate listings held by brokerage firms other than The HOA Collective LLC are marked with the listing broker's name and detailed information about such listings includes the name of the listing brokers. Data provided is deemed reliable but is not guaranteed. © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

Questions & Answers

Frequently Asked

What schools serve 223 SETTLERS LANDING DR?
The zoned public schools for 223 SETTLERS LANDING DR in Crosswater Village are K-8 School Rr (elementary), Alice B. Landrum Middle School (middle), Allen D Nease Senior High School (high). Magnet and choice options may also apply — confirm enrollment with the district.
What are the property taxes on 223 SETTLERS LANDING DR?
The most recent annual property tax for 223 SETTLERS LANDING DR is about $8,485 (2025 tax year), with a homestead exemption applied. Any CDD assessment is billed in addition.
Does 223 SETTLERS LANDING DR have a CDD fee?
Yes. 223 SETTLERS LANDING DR is in Crosswater Village, a Community Development District (CDD) with an assessment of approximately $1,947 per year, billed on the annual property-tax bill in addition to HOA dues.
What is the HOA fee for 223 SETTLERS LANDING DR?
Homes in Crosswater Village have an HOA fee of about $949 per year (based on recent MLS listings).
What would the monthly payment be on 223 SETTLERS LANDING DR?
At about a 6.66% 30-year rate, the estimated monthly payment for 223 SETTLERS LANDING DR is roughly $6,080 with a conventional loan (20% down), $7,464 with FHA (3.5% down), or $7,303 with a VA loan (0% down). Each figure includes principal and interest, estimated property taxes and insurance, mortgage insurance where applicable, plus the Crosswater Village HOA and CDD assessment. Use the payment calculator on this page to adjust the numbers.

Property data is sourced from the St. Johns County Property Appraiser public records (view official record →). Values are appraiser estimates and may not reflect market price.