Crosswater Village

97 SETTLERS LANDING DR

Ponte Vedra, FL 32081
For Sale $995,000
4 bd · 3 ba · Built 2022
Bryce Spraggins — The HOA Collective
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Call or Text 904-747-1HOA

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 CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST (cmcintoshrealtor@gmail.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

Prime Lot -YES; Pond View - Yes; Oversized 2 car garage - Yes, Whole Home Generator - Yes; Full fenced backyard - Yes, Office space - Yes;
LOFT - Yes!....AND 4 bedrooms, 3 Full bathrooms, upgraded gourmet kitchen with double stacked cabinets, upgraded stainless steel appliances, spacious, large stainless steel fridge, large kitchen island, built in media wall in the family room, sliding glass door to wrap around lanai, open floor plan with lots of natural light. Primary bedroom downstairs with spa like bathroom and large walk-in closet WITH custom built primary closet organizers. Downstairs features an office space with privacy doors, another bedroom with a full bathroom (great for in-law suite), two car oversized garage. Upstairs you will find two additional bedrooms and a Full bathroom PLUS a flex space - great for retreat, game room, study - or whatever your home needs are!

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 · $34,825
$8,615/mo
Principal & interest$6,278
Property tax (est.)$909
Insurance (est.)$746
FHA MIP$440
HOA dues$79
CDD assessment$162
Cash to close: ~$34,825 down · MIP financed
VA
$0 down
$8,428/mo
Principal & interest$6,532
Property tax (est.)$909
Insurance (est.)$746
VA fee (financed)$0
HOA dues$79
CDD assessment$162
Cash to close: ~$0 down · VA funding fee financed
Conventional
20% down · $199,000
$7,011/mo
Principal & interest$5,115
Property tax (est.)$909
Insurance (est.)$746
PMI$0
HOA dues$79
CDD assessment$162
Cash to close: ~$199,000 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 0590
Legal description105/1-28 CROSSWATER VILLAGE PHASE 6A LOT 59 OR5980/1827

Valuation · 2025

Value

Just / Market
$1,000,000
Assessed
$743,143
Taxable
$692,421
2025 Property Tax
$9,486
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 97 SETTLERS LANDING DR?
The zoned public schools for 97 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 97 SETTLERS LANDING DR?
The most recent annual property tax for 97 SETTLERS LANDING DR is about $9,486 (2025 tax year), with a homestead exemption applied. Any CDD assessment is billed in addition.
Does 97 SETTLERS LANDING DR have a CDD fee?
Yes. 97 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 97 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 97 SETTLERS LANDING DR?
At about a 6.66% 30-year rate, the estimated monthly payment for 97 SETTLERS LANDING DR is roughly $7,011 with a conventional loan (20% down), $8,615 with FHA (3.5% down), or $8,428 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.