Lakeside at Town Center

431 PARK LAKE DR

Ponte Vedra, FL 32081
For Sale $965,000
5 bd · 4 ba · Built 2014
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 RE/MAX SPECIALISTS (tourmls@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

PRICED BELOW APPRAISAL! Step into this exceptional 5-bedroom, 3.5-bath home, offering a blend of modern luxury and comfort. Boasting over 2800 sq. ft. of living space, this home has been thoughtfully upgraded to meet the needs of today's family. The newly pavered backyard is an entertainer's dream, featuring a heated saltwater pool, bamboo for added privacy and plenty of space for outdoor dining and relaxation. A wood playground is included, ensuring fun for all ages! Inside, you'll find a spacious living area with luxury vinyl plank and tile flooring throughout. The chef-inspired kitchen, equipped with high-end appliances and an abundance of counter space, is perfect for preparing meals for family and friends. The home's new exterior doors and plantation shutters add to the stylish ambiance, while USB outlets and dimmer switches throughout bring convenience to your fingertips. The HVAC system was replaced in 2022, and the attic has been newly insulated to improve energy efficiency.

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 · $33,775
$8,196/mo
Principal & interest$5,983
Property tax (est.)$881
Insurance (est.)$724
FHA MIP$427
HOA dues$21
CDD assessment$161
Cash to close: ~$33,775 down · MIP financed
VA
$0 down
$8,011/mo
Principal & interest$6,224
Property tax (est.)$881
Insurance (est.)$724
VA fee (financed)$0
HOA dues$21
CDD assessment$161
Cash to close: ~$0 down · VA funding fee financed
Conventional
20% down · $193,000
$6,661/mo
Principal & interest$4,874
Property tax (est.)$881
Insurance (est.)$724
PMI$0
HOA dues$21
CDD assessment$161
Cash to close: ~$193,000 down

Rate: 6.490% (Freddie Mac 30-yr avg, as of Jun 25, 2026). Taxes estimated as purchase price × 85% assessed × this property's 1.37% 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 built2014
SubdivisionLakeside at Town Center
Parcel (RE#)068054 0040
Legal description68/35-39 LAKESIDE AT TOWN CENTER PHASE 1 LOT 4 OR5607/1984

Valuation · 2025

Value

Just / Market
$975,000
Assessed
$663,781
Taxable
$613,059
2025 Property Tax
$8,417
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
$250 / Annually
CDD Assessment
$1,932 / Annually

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

History

Sale History

DatePriceDeed
2013-07-01

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 Lakeside at Town Center? List with the broker built for your community.

I'm Bryce Spraggins, a licensed Florida real estate broker — and The HOA Collective works Lakeside at Town Center 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 Lakeside at Town Center

Other active MLS listings in Lakeside at Town Center.

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 431 PARK LAKE DR?
The zoned public schools for 431 PARK LAKE DR in Lakeside at Town Center are K-8 School Rr (elementary), Alice B. Landrum Middle School (middle), Ponte Vedra High School (high). Magnet and choice options may also apply — confirm enrollment with the district.
What are the property taxes on 431 PARK LAKE DR?
The most recent annual property tax for 431 PARK LAKE DR is about $8,417 (2025 tax year), with a homestead exemption applied. Any CDD assessment is billed in addition.
Does 431 PARK LAKE DR have a CDD fee?
Yes. 431 PARK LAKE DR is in Lakeside at Town Center, a Community Development District (CDD) with an assessment of approximately $1,932 per year, billed on the annual property-tax bill in addition to HOA dues.
What is the HOA fee for 431 PARK LAKE DR?
Homes in Lakeside at Town Center have an HOA fee of about $250 per year (based on recent MLS listings).
What would the monthly payment be on 431 PARK LAKE DR?
At about a 6.49% 30-year rate, the estimated monthly payment for 431 PARK LAKE DR is roughly $6,661 with a conventional loan (20% down), $8,196 with FHA (3.5% down), or $8,011 with a VA loan (0% down). Each figure includes principal and interest, estimated property taxes and insurance, mortgage insurance where applicable, plus the Lakeside at Town Center 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.