Twenty Mile at Nocatee

140 WHISPER ROCK DR

Ponte Vedra, FL 32081
For Sale $799,000
4 bd · 4 ba · Built 2017
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 IMAGINE REAL ESTATE LLC (lisavernonrealtor@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

PRICE ADJUSTMENT!! Located in Nocatee's Twenty Mile, this home offers a protected preserve-view setting, a Bathroom for every Bedroom a dedicated office, first-floor primary suite, and a flexible upstairs guest suite with climate-controlled Florida basement storage.

The main living area with coffered ceilings features wide-plank wood-look tile, built-ins, an electric fireplace, custom top-down bottom-up blinds, and a kitchen designed for everyday living with a gas cooktop, oversized quartz island, walk-in pantry, and stainless appliances. Each bedroom has access to a full bath, including a private upstairs suite with walk-in closet, ideal for guests, hobbies, or multigenerational living.

A screened lanai overlooking the preserve creates a peaceful outdoor retreat for morning coffee or winding down at the end of the day. A built-in safe in the owner's suite, tankless water heater, owned water softener, and full-yard irrigation add comfort and convenience.

And then there is the part

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 · $27,965
$6,881/mo
Principal & interest$4,954
Property tax (est.)$720
Insurance (est.)$599
FHA MIP$353
HOA dues$87
CDD assessment$168
Cash to close: ~$27,965 down · MIP financed
VA
$0 down
$6,727/mo
Principal & interest$5,153
Property tax (est.)$720
Insurance (est.)$599
VA fee (financed)$0
HOA dues$87
CDD assessment$168
Cash to close: ~$0 down · VA funding fee financed
Conventional
20% down · $159,800
$5,610/mo
Principal & interest$4,036
Property tax (est.)$720
Insurance (est.)$599
PMI$0
HOA dues$87
CDD assessment$168
Cash to close: ~$159,800 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 built2017
SubdivisionTwenty Mile at Nocatee
Parcel (RE#)068061 0240
Legal description77/54-62 TWENTY MILE AT NOCATEE PHASE 2B LOT 24 OR5347/1609 & 6314/635(DM)

Valuation · 2025

Value

Just / Market
$800,000
Assessed
$679,081
Taxable
$628,359
2025 Property Tax
$8,623
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
$1,047 / Annually
CDD Assessment
$2,012 / Annually

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

History

Sale History

DatePriceDeed
2016-03-24

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

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 Twenty Mile at Nocatee? List with the broker built for your community.

I'm Bryce Spraggins, a licensed Florida real estate broker — and The HOA Collective works Twenty Mile at Nocatee 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.

Community Records

Twenty Mile at Nocatee Documents

Covenants1
Covenants & Restrictions · View →
Covenants and Restrictions
Covenants & Restrictions · View →
HOA Covenants and Restrictions
Covenants & Restrictions · View →
HOA Documents
Covenants & Restrictions · View →
HOA Covenants
Covenants & Restrictions · View →
Declaration of Covenants
Covenants & Restrictions · View →
Covenants
Covenants & Restrictions · View →
Architectural Review Covenants
Covenants & Restrictions · View →
Use Restrictions
Covenants & Restrictions · View →
First Amendment to Declaration
Covenants & Restrictions · View →
Supplementary Declaration
Covenants & Restrictions · View →
Covenants Part 2
Covenants & Restrictions · View →
HOA C&R Supplementary Declaration
Covenants & Restrictions · View →
Cov. & Restrictions
Covenants & Restrictions · View →
HOA Covenant and Restrictions
Covenants & Restrictions · View →
Twenty Mile CC&Rs
Covenants & Restrictions · View →
Covenants & Restrictions
Covenants & Restrictions · View →
Declaration of Covenants and Restriction
Covenants & Restrictions · View →
Amendment to Declaration
Covenants & Restrictions · View →
Nocatee 20 Mile Covenants/Restrictions
Covenants & Restrictions · View →
Fist Amendment to Declaration of CC&R
Covenants & Restrictions · View →
Declaration of Covenants-Restrictions
Covenants & Restrictions · View →
Declaration
Covenants & Restrictions · View →
Covenant & Restrictions Twenty Mile Cent
Covenants & Restrictions · View →
Supplementary Declaration to CC&R
Covenants & Restrictions · View →
HOA Declaration
Covenants & Restrictions · View →
CCRs
Covenants & Restrictions · View →

On the Market

Homes for Sale in Twenty Mile at Nocatee

Other active MLS listings in Twenty Mile at Nocatee.

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 140 WHISPER ROCK DR?
The zoned public schools for 140 WHISPER ROCK DR in Twenty Mile at Nocatee are Ocean Palms Elementary School (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 140 WHISPER ROCK DR?
The most recent annual property tax for 140 WHISPER ROCK DR is about $8,623 (2025 tax year), with a homestead exemption applied. Any CDD assessment is billed in addition.
Does 140 WHISPER ROCK DR have a CDD fee?
Yes. 140 WHISPER ROCK DR is in Twenty Mile at Nocatee, a Community Development District (CDD) with an assessment of approximately $2,012 per year, billed on the annual property-tax bill in addition to HOA dues.
What is the HOA fee for 140 WHISPER ROCK DR?
Homes in Twenty Mile at Nocatee have an HOA fee of about $1,047 per year (based on recent MLS listings).
What would the monthly payment be on 140 WHISPER ROCK DR?
At about a 6.49% 30-year rate, the estimated monthly payment for 140 WHISPER ROCK DR is roughly $5,610 with a conventional loan (20% down), $6,881 with FHA (3.5% down), or $6,727 with a VA loan (0% down). Each figure includes principal and interest, estimated property taxes and insurance, mortgage insurance where applicable, plus the Twenty Mile at Nocatee 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.