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This home is in River Oaks, Ponte Vedra Beach.

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Active

Active·40 days on market·River Oaks

105 Bent Oak Drive

Ponte Vedra Beach, FL 32082

$3,995,000$886/sqftEst. $20,538/moMLS# 2114206

Beds

Baths

4,509

Sq Ft

2022

Built

Garage

Pool

About this home

River Oaks

Architectural Modern Masterpiece in the Heart of Ponte Vedra Beach. 4 Bedrooms , 4.5 Bathrooms , TWO main floor kitchens, Cinema Room, Outdoor Living Oasis Built 2022. Extensively Renovated 2024 Step into a rare modern treasure inspired by the timeless architecture of Frank Lloyd Wright, blending sleek design with warm, livable spaces. This custom-built 4 bedroom, 4.5 bath home was completed in 2022 and then thoughtfully reimagined through a meticulous nine-month renovation in 2024 to elevate every finish, fixture, and detail. Architectural Elegance & Open Concept Living The home's striking open floor plan is anchored by a dramatic living room with a two-story open-air cutout and skylights, flooding the space with natural light and creating a visual connection to the entire second floor. Modern neutral tones are layered with rich textures to create a space that feels both sophisticated and inviting.

Cost to own

Mortgage calculator

Home Price

$3,995,000

Down Payment: 20%

$799,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$20,538

Principal & Interest: $20,538

Property taxes (est.): $5,316

Insurance (est.): $2,663

Estimated Total Monthly

$28,518

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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.

Cost to own

True monthly cost

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

Principal & interest20% down · 6.66% · 30yr$20,538

Property taxesest. at asking price, St. Johns County$5,316

HOAbilled annually$9

Estimated total, before insurance$25,863/mo

Seller’s 2024 tax billper the MLS — includes any CDD / assessments$18,525/yr · $1,544/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).

Cost to own

Taxes & assessment

2024 property taxes (current owner): $18,525/yr

Estimated taxes if purchased at asking price: ~$63,800/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.

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 — year not disclosed (home built 2022)

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

Solar potential: ~1,688 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

As of July 2026, 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.

History

Price & status history

Jul 12, 2026Listed$3,995,000

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

Features

Price$3,995,000

Price / Sq Ft$886

Bedrooms4

Bathrooms4.50

Full Baths4

Half Baths1

Square Footage4,509

Acres0.26 acres

Year Built2022

TypeResidential

Sub-TypeSingle Family Residence

StyleOther

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontNo

Direction FacesNorth

Community Information

Address105 Bent Oak Drive, Ponte Vedra Beach, FL 32082

Area263-Ponte Vedra Beach-W Of A1A-S Of CR-210

SubdivisionRiver Oaks

CityPonte Vedra Beach

CountySt. Johns

StateFL

Zip Code32082

Lot Size11,325.6 sq ft

Lot Dimensions119 x 97

Parcel Number0686910050

Amenities

UtilitiesCable Connected, Electricity Connected, Sewer Connected, Water Connected, Propane

SewerPublic Sewer

Water SourcePublic

ParkingElectric Vehicle Charging Station(s), Garage, Garage Door Opener, Off Street

Interior

Interior FeaturesBreakfast Bar, Butler Pantry, Eat-in Kitchen, His and Hers Closets, Open Floorplan, Primary Bathroom - Shower No Tub, Primary Downstairs, Smart Home, Smart Thermostat, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Double Oven, Dryer, ENERGY STAR Qualified Dishwasher, ENERGY STAR Qualified Dryer, ENERGY STAR Qualified Freezer, ENERGY STAR Qualified Refrigerator, ENERGY STAR Qualified Washer, ENERGY STAR Qualified Water Heater, Gas Cooktop, Gas Oven, Gas Water Heater, Microwave, Refrigerator, Tankless Water Heater

HeatingCentral

CoolingAttic Fan, Central Air, Zoned

FlooringVinyl

# of Stories2

LevelsTwo

LaundryLower Level, Upper Level

Window FeaturesSkylight(s)

Security24 Hour Security, Carbon Monoxide Detector(s), Closed Circuit Camera(s), Fire Alarm, Security System Owned, Smoke Detector(s)