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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in Turtle Shores, Ponte Vedra Beach — a home near St. Augustine High School.

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Sold

Sold·Closed Sep 26, 2025·151 days on market·Recent sales in Turtle Shores·Turtle Shores

1028 N Marsh Wind Way

Ponte Vedra Beach, FL 32082

$685,000sold priceListed at $725,000 · 94.5% of asking$300/sqftMLS# 2080797
4
Beds
3
Baths
2,284
Sq Ft
2002
Built
2
Garage
No
Pool

2 more homes for sale in Turtle Shores →Search Turtle Shores on the map

HOA $180/mo7,841 sqft lotSingle Family Residence2 stories

About this home

Turtle Shores

Prime opportunity! Ideal floorplan just steps to resort style amenities including easy beach access! Ground level of the home offers three bedrooms and two baths. Open living area to kitchen and screened lanai for that Florida lifestyle. Generous size rooms, elevated ceilings, designer architecural details throughout. PLUS a Bonus Suite upstairs that provides privacy, its own bathroom and A/C! The primary suite is on the ground level with a generous size walk in clothes closet and love the long bath counter top for all of those essentials! Outdoor living on both the front and the back of the home offers sun/shade for either the morning or evening quiet times. Just a stroll in the beautifully landscaped neighborhood to the community pool, tennis/pickelball courts, gym, playground and a pristine beach which streches for miles. HOA only $180.04 Monthly. Located south of Jacksonville and five miles north of the Vilano Town Center and bridge to historic St. Augustine. Quality of Life!

Cost to own

True monthly cost

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

Principal & interest20% down · 7.4% · 30yr$3,794
Property taxesest. at asking price, St. Johns County$912
HOAbilled monthly$180
Estimated total, before insurance$4,886/mo
Seller’s 2024 tax billper the MLS — includes any CDD / assessments$3,768/yr · $314/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, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
  • • 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 (that applies to the reference bill above too).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$685,000
$137,000
Loan Term
Monthly Payment
$3,794
Principal & Interest: $3,794
Property taxes (est.): $912
Insurance (est.): $457
Estimated Total Monthly
$5,162
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-15, Freddie Mac PMMS via FRED). Taxes use the county effective rate; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs may vary.

Storms & insurance

Florida Reality Check

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

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

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

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — year not disclosed (home built 2002)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Solar potential: ~1,762 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

This Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields at this property’s coordinates. None of it is a determination, survey, or inspection, and public records can lag or conflict with on-site conditions. Independently verify anything you’ll rely on: the flood zone at msc.fema.gov and floridadisaster.org/knowyourzone (and confirm flood-insurance cost with your lender and a licensed insurance agent), and the sewer/septic, roof, and utilities with a professional inspection.

Around this address

Nearby, from public data

The closest public beach, park, water access and league fields from this home's location.

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.

Sun & Light

East-facing backyard — the morning-light lot

The listing reports the home facing west, which puts the backyard on the east side. Today at this address: sunrise 7:28 AM, sunset 6:53 PM.

  • The rear takes the sunrise and the gentle morning sun, then goes shaded through the afternoon — the classic comfortable-summer-evening lanai in Florida.
  • The front of the home carries the hot western afternoon instead of your living space.

Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.

Cost to own

Taxes & assessment

2024 property taxes (current owner): $3,768/yr

Estimated taxes if purchased at asking price: ~$10,900/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, NEFMLS.

Closed sales

What sold nearby

Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $320/sq ft; this home is listed at $317/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
687 Sand Isles Circle, Ponte Vedra Beach, FL 32082Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERSJul 2026$634,000$3124/2.52,0301170.1
645 Sand Isles Circle, Ponte Vedra Beach, FL 32082Listed by EXP REALTY LLCJun 2026$665,000$2864/32,325560.1
405 Salt Wind Court W, Ponte Vedra Beach, FL 32082Listed by RE/MAX UNLIMITEDMar 2026$535,000$3342/21,602220.1
644 Sand Isles Circle, Ponte Vedra Beach, FL 32082Listed by REAL BROKER LLCSep 2026$710,000$3204/32,2172720.2
321 Ebb Tide Court, Ponte Vedra Beach, FL 32082Listed by CONVENE REALTYApr 2026$1,025,000$4123/2.52,48830.2
1436 Atlantic Breeze Way Way, Ponte Vedra Beach, FL 32082Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINEJun 2026$505,000$1734/3.52,91100.3

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

Features

Price$725,000
Price / Sq Ft$317
Bedrooms4
Bathrooms3.00
Full Baths3
Square Footage2,284
Total Structure Area3,154 sq ft
Acres0.18 acres
Year Built2002
TypeResidential
Sub-TypeSingle Family Residence
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontNo
Gated CommunityYes
Direction FacesWest

School Information

Community Information

Address1028 N Marsh Wind Way, Ponte Vedra Beach, FL 32082
Area264-South Ponte Vedra Beach
SubdivisionTurtle Shores
CityPonte Vedra Beach
CountySt. Johns
StateFL
Zip Code32082
Lot Size7,840.8 sq ft
Lot Dimensions66x127x65x121
Parcel Number1421462040
ZoningPUD

Amenities

AmenitiesPool, Beach Access, Clubhouse, Fitness Center, Gated, Management - Off Site, Pickleball, Playground, Spa/Hot Tub, Tennis Court(s)
Community FeaturesStreet Lights, Gated
UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage, Garage Door Opener

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Built-in Features, Ceiling Fan(s), Entrance Foyer, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)
AppliancesDishwasher, Disposal, Dryer, Electric Oven, Electric Range, Electric Water Heater, Microwave, Refrigerator, Washer
HeatingCentral, Electric, Heat Pump
CoolingCentral Air, Electric, Multi Units
FlooringCarpet, Concrete, Tile, Wood
# of Stories2
LevelsOne and One Half
LaundryIn Unit
SecuritySecurity Gate, Smoke Detector(s)

Exterior

Lot DescriptionDead End Street, Sprinklers In Front, Sprinklers In Rear
Patio / PorchFront Porch, Porch, Rear Porch, Screened
RoofShingle
ConstructionFrame, Stucco
Road SurfaceAsphalt
Road FrontagePrivate Road

Additional Information

Date ListedApril 10, 2025
Days on Market151
HOA Fees$180.04 / Monthly
HOA FrequencyMonthly
HOA NameTurtle Shores Owners Association
Tax Amount$3,768.42
Tax Year2024
Listing TermsCash, Conventional, FHA, VA Loan, Other
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: RE/MAX UNLIMITED

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

The neighborhood

About Turtle Shores

Turtle Shores is a neighborhood in Ponte Vedra Beach, FL (St. Johns County), ZIP 32082.

View all Turtle Shores homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Sep 26, 2025. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.

Text Krista about this saleHomes for sale nearby →

20+ years · 500+ closings · NE Florida

Is this home priced right?

Ask Krista and she'll email you her read on how this price compares with recent sales nearby.

Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

Northeast Florida living

Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines