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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 Ponte Vedra Beach — a home near Ponte Vedra High School.

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Sold

Sold·Closed Sep 25, 2025·13 days on market·Recent sales in Ponte Vedra Beach

3116 La Reserve Drive

Ponte Vedra Beach, FL 32082

$575,000sold priceListed at $589,900 · 97.5% of asking$387/sqftMLS# 2103333
3
Beds
2
Baths
1,485
Sq Ft
1991
Built
2
Garage
No
Pool
HOA $62/mo3,920 sqft lotSingle Family Residence1 story

About this home

Ponte Vedra Beach

Perfect beach house conveniently located East of A1A across from the popular dining & shopping at Sawgrass Village! Enjoy the lifestyle of being within ear-shot of the ocean waves. (Yes, you can hear the waves when the wind is right). Single level home with a well designed floor plan, updated kitchen and bathrooms, & maintenance free backyard with pet-friendly artificial turf area. Enjoy golfing and the close proximity to TPC Sawgrass, as well as community amenities: pool, tennis, and pickleball. St. Johns County A Rated Schools!

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$3,185
Property taxesest. at asking price, St. Johns County$765
HOAbilled quarterly$62
Estimated total, before insurance$4,012/mo
Seller’s 2024 tax billper the MLS — includes any CDD / assessments$4,894/yr · $408/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

$575,000
$115,000
Loan Term
Monthly Payment
$3,185
Principal & Interest: $3,185
Property taxes (est.): $765
Insurance (est.): $383
Estimated Total Monthly
$4,333
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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 1991)

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

Solar potential: ~1,794 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.

Cost to own

Taxes & assessment

2024 property taxes (current owner): $4,894/yr

Estimated taxes if purchased at asking price: ~$9,200/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.

History

Price & status history

  • Aug 11, 2025Listed$589,900

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

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 $366/sq ft; this home is listed at $397/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
423 La Reserve Circle, Ponte Vedra Beach, FL 32082Listed by BEACHES REALTY AND MANAGEMENT LLCJul 2026$580,000$3413/21,701300
3112 La Reserve Drive, Ponte Vedra Beach, FL 32082Listed by RE/MAX SPECIALISTS PVJul 2026$522,000$3083/2.51,697840
2335 L'Atrium Circle N, Ponte Vedra Beach, FL 32082Listed by REAL BROKER LLCMay 2026$595,000$3663/21,62460.2
109 Colombard Court, Ponte Vedra Beach, FL 32082Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERSJun 2026$665,000$4223/21,574430.3
2513 St Michel Court, Ponte Vedra Beach, FL 32082Listed by ONE SOTHEBY'S INTERNATIONAL REALTYOct 2026$495,000$3013/21,645990.4
2605 St Noelle Court, Ponte Vedra Beach, FL 32082Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERSJul 2026$465,000$4132/21,126100.4

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$589,900
Price / Sq Ft$397
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,485
Acres0.09 acres
Year Built1991
TypeResidential
Sub-TypeSingle Family Residence
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontNo

School Information

Community Information

Address3116 La Reserve Drive, Ponte Vedra Beach, FL 32082
Area261-Ponte Vedra Bch-S Of Corona-E Of A1E/Lake Pv
SubdivisionFiddlers Marsh
CityPonte Vedra Beach
CountySt. Johns
StateFL
Zip Code32082
Lot Size3,920.4 sq ft
Parcel Number0622446020
ZoningResidential

Amenities

AmenitiesPool, Pickleball, Tennis Court(s)
Community FeaturesFishing, Curbs
UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAttached, Garage, Garage Door Opener

Interior

Interior FeaturesCeiling Fan(s), Eat-in Kitchen, Pantry, Primary Bathroom - Shower No Tub, Primary Downstairs, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)
AppliancesDishwasher, Disposal, Dryer, Electric Cooktop, Electric Oven, Microwave, Refrigerator, Washer, Water Softener Owned
HeatingCentral, Electric
CoolingCentral Air, Electric
FireplaceYes
# of Fireplaces1
Fireplace FeaturesWood Burning
# of Stories1
LevelsOne
LaundryIn Unit
Window FeaturesSkylight(s)
SecuritySmoke Detector(s)

Exterior

Patio / PorchPatio
FencingBack Yard
RoofShingle

Additional Information

Date ListedAugust 11, 2025
Days on Market13
HOA Fees$185.22 / Quarterly
HOA FrequencyQuarterly
HOA NameFiddlers Marsh
Tax Amount$4,894.34
Tax Year2024
Listing TermsCash, Conventional, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: RE/MAX SPECIALISTS PV

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.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Sep 25, 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

Curious what nearby homes sold for?

MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

Northeast Florida living

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