Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in South Ponte Vedra Beach, Ponte Vedra Beach — an oceanfront home in Ponte Vedra Beach.

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Active·118 days on market·South Ponte Vedra Beach

2823 S Ponte Vedra Boulevard

Ponte Vedra Beach, FL 32082

$1,389,000$855/sqftEst. $7,141/moMLS# 2115766

Beds

Baths

1,624

Sq Ft

1973

Built

—

Garage

Pool

About this home

South Ponte Vedra Beach

Wake up to the sound of waves and panoramic Atlantic views in this true beachfront retreat! Every room offers a front-row seat to the ocean, and the open-concept living area—with vaulted beamed ceilings, tile floors, and walls of glass—creates a relaxed coastal vibe. The kitchen features granite countertops, white cabinetry, and a breakfast bar perfect for gathering after a day in the sun. Step outside to the expansive deck or covered patio to enjoy direct beach access, ideal for morning coffee, surfing, or sunset views. With four bedrooms, two baths, and a fully furnished interior, this home is move-in or rental-ready. Located across from the Guana Preserve and just minutes from St. Augustine's restaurants and attractions, this oceanfront gem perfectly blends comfort, charm, and unbeatable views.

Cost to own

Mortgage calculator

Home Price

$1,389,000

Down Payment: 20%

$277,800

Interest Rate: 6.66%

Loan Term

Monthly Payment

$7,141

Principal & Interest: $7,141

Property taxes (est.): $1,848

Insurance (est.): $926

Estimated Total Monthly

$9,915

*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$7,141

Property taxesest. at asking price, St. Johns County$1,848

Estimated total, before insurance$8,989/mo

Seller’s 2024 tax billper the MLS — includes any CDD / assessments$12,063/yr · $1,005/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

Year	Market value	Taxable value	Change
2025	$935,118	$813,748	—
2025	$58	$3	—
2024	$930,703	$739,771	—
2024	$58	$3	—
2023	$975,983	$672,519	▼ $77,821
2023	$58	$3	—
2022	$882,420	$611,381	—
2022	$58	$3	—
2021	$555,801	$555,801	—
2021	$58	$3	—
2020	$510,273	$510,273	—
2020	$58	$3	—

2024 property taxes (current owner): $12,063/yr

Estimated taxes if purchased at asking price: ~$22,200/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 (2025), NEFMLS.

Storms & insurance

Florida Reality Check

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

Zone VE — coastal high-hazard area

Flood insurance is required by lenders, at coastal (wave-action) rates.

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 1973)

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

Sewer records conflict — verify

The MLS lists “Public Sewer”, while Florida DOH records suggest an onsite septic system. Don’t rely on either — confirm the actual system, and if septic is possible, budget an inspection, before you offer. Municipal drinking water from JEA per the county inventory.

Sources: MLS listing + Florida DOH Water Management Inventory (public record).

Solar potential: ~1,638 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