Crosswater Village

453 VISTA LAKE CIR

Ponte Vedra, FL 32081
For Sale $515,000
3 bd · 2 ba · Built 2018
Bryce Spraggins — The HOA Collective
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See this home in person — Bryce Spraggins, The HOA Collective.

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 KELLER WILLIAMS ST JOHNS (jillgrogg@kw.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

Can you say VIEWS!? This beautifully maintained 3-bedroom, 2-bath home offers stunning pond views from the main living areas, kitchen, primary bedroom, and screened lanai. The open floor plan features hardwood-look tile throughout the main living spaces and LVP flooring in all bedrooms for easy maintenance. The inviting living room is highlighted by an electric fireplace with a floor-to-ceiling stone surround, wood shutters, and lots of natural light.

The kitchen offers ample counter space and abundant cabinetry, plenty of room for cooking and entertaining.
Step outside to the extended paver screened lanai and enjoy peaceful mornings or relaxing evenings overlooking the pond.

Located in the highly desirable Crosswater community of Nocatee, you'll enjoy resort-style amenities, top-rated schools, miles of trails, parks, pools, and the sought-after Nocatee lifestyle--all just 20 minutes from the beach.

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 · $18,025
$4,502/mo
Principal & interest$3,193
Property tax (est.)$454
Insurance (est.)$386
FHA MIP$228
HOA dues$79
CDD assessment$162
Cash to close: ~$18,025 down · MIP financed
VA
$0 down
$4,403/mo
Principal & interest$3,322
Property tax (est.)$454
Insurance (est.)$386
VA fee (financed)$0
HOA dues$79
CDD assessment$162
Cash to close: ~$0 down · VA funding fee financed
Conventional
20% down · $103,000
$3,683/mo
Principal & interest$2,601
Property tax (est.)$454
Insurance (est.)$386
PMI$0
HOA dues$79
CDD assessment$162
Cash to close: ~$103,000 down

Rate: 6.490% (Freddie Mac 30-yr avg, as of Jun 25, 2026). Taxes estimated as purchase price × 85% assessed × this property's 1.40% 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 built2018
SubdivisionCrosswater Village
Parcel (RE#)070491 1000
Legal description86/56-76 CROSSWATER VILLAGE PHASE 1A LOT 100 OR6149/1483

Valuation · 2025

Value

Just / Market
$525,000
Assessed
$326,531
Taxable
$275,809
2025 Property Tax
$3,875
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
2017-11-27

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, Licensed Real Estate Broker

List With Me

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

I'm Bryce Spraggins, a licensed Florida real estate broker — and The HOA Collective works Crosswater Village every day. We're on a mission to make community management more affordable: every home we sell helps fund reduced-cost management software and services for HOAs through MyHOAClub.

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 453 VISTA LAKE CIR?
The zoned public schools for 453 VISTA LAKE CIR 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 453 VISTA LAKE CIR?
The most recent annual property tax for 453 VISTA LAKE CIR is about $3,875 (2025 tax year), with a homestead exemption applied. Any CDD assessment is billed in addition.
Does 453 VISTA LAKE CIR have a CDD fee?
Yes. 453 VISTA LAKE CIR 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 453 VISTA LAKE CIR?
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 453 VISTA LAKE CIR?
At about a 6.49% 30-year rate, the estimated monthly payment for 453 VISTA LAKE CIR is roughly $3,683 with a conventional loan (20% down), $4,502 with FHA (3.5% down), or $4,403 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.