This home is in South Ponte Vedra Beach, Ponte Vedra Beach.

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Active·466 days on market·South Ponte Vedra Beach

2643 S Ponte Vedra Boulevard

Ponte Vedra Beach, FL 32082

$2,195,000$676/sqftEst. $11,683/moMLS# 2080036

Beds

Baths

3,245

Sq Ft

1976

Built

Garage

Pool

About this home

South Ponte Vedra Beach

Situated along the Atlantic Ocean coastline, this exquisite 5-bedroom, 3-bathroom oceanfront retreat offers 3,245 square feet of beautifully reimagined living space, perfectly positioned along the Atlantic Ocean with sweeping views of the Guana Preserve to the west. Thoughtfully redesigned and recently renovated including a new roof in 2025, this coastal gem showcases high-end finishes, quality craftsmanship, and an effortless blend of elegance and comfort. From sunrise over the ocean to sunset over the preserve, every detail is designed to immerse you in the luxury of beachside living.

Cost to own

Mortgage calculator

Home Price

$2,195,000

Down Payment: 20%

$439,000

Interest Rate: 6.49%

Loan Term

Monthly Payment

$11,088

Principal & Interest: $11,088

Est. Taxes & Insurance: $2,772

Estimated Total Monthly

$13,859

*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, Freddie Mac PMMS via FRED). Actual payments may vary.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.0% · 30yr$11,683

Property taxesest. at asking price, St. Johns County$2,921

Estimated total, before insurance$14,604/mo

• Homeowners insurance is on top — in Florida it varies widely with roof age and wind/flood zone (see the Reality Check below). Budget it before you offer.
• In CDD communities (Nocatee, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• Taxes are estimated at YOUR purchase price — Florida assessments reset on sale, so the seller’s current bill is usually lower than yours will be.

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$1,770,589	$1,770,589	—
2024	$1,743,154	$1,743,154	—
2023	$1,764,853	$1,764,853	—
2022	$1,620,764	$1,620,764	—
2021	$774,390	$774,390	—
2020	$767,829	$767,829	—

2024 property taxes (current owner): $24,578/yr

Estimated taxes if purchased at asking price: ~$35,000/yr

Florida’s Save Our Homes cap limits how fast the current owner’s assessment can rise — and it resets when a home sells, so a buyer’s tax bill is typically based on the purchase price, not the seller’s bill above. Estimate uses the median effective rate across 1,595 current St. Johns listings and includes typical non-ad-valorem assessments; actual taxes depend on exemptions and taxing district. Sources: Florida DOR certified tax roll (2025), NEFMLS.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Zone X — minimal flood hazard

Flood insurance is typically not required by lenders (always optional).

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Hurricane evacuation zone A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: Shingle — 2025 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

Septic system (public record) · Public water · JEA

County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,808 usable sun-hours per year

A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History