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 Turtle Shores, Ponte Vedra Beach — a gated community home in Ponte Vedra Beach.

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Active Under Contract

Active Under Contract·283 days on market·Turtle Shores

644 Sand Isles Circle

Ponte Vedra Beach, FL 32082

$735,000$332/sqftEst. $3,779/moMLS# 2118529

Beds

Baths

2,217

Sq Ft

2001

Built

Garage

Pool

About this home

Turtle Shores

Unbelievable NEW PRICE!! Now ONLY $735k. This is the ONLY home currently available in Turtle Shores with this gorgeous OCEAN VIEW! Welcome to Beach Life! This exceptional coastal residence is in the highly sought-after Turtle Shores community of Ponte Vedra Beach. And these sellers are Motivated! Perfectly positioned just 3 short blocks from private beach access via the iconic Turtle Tunnel, this home delivers sweeping Atlantic Ocean views. This new pricing represents a rare opportunity to own one of the most desirable locations in the neighborhood at a realistic and compelling new price. Built with thoughtful upgrades and ready for your vision, this light-filled 10' ceilings home offers the ideal layout so many buyers seek: 3 of the 4 bedrooms, including the spacious owner's suite, are conveniently located on the ground floor. Upstairs, the fourth bedroom has a walk out covered lanai for taking in the ocean views and relaxing.

Cost to own

Mortgage calculator

Home Price

$735,000

Down Payment: 20%

$147,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$3,779

Principal & Interest: $3,779

Property taxes (est.): $978

Insurance (est.): $490

Estimated Total Monthly

$5,247

*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$3,779

Property taxesest. at asking price, St. Johns County$978

HOAbilled monthly$180

Estimated total, before insurance$4,937/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,385/yr · $365/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	$634,451	$287,574	—
2024	$634,582	$278,762	—
2023	$595,853	$269,186	—
2022	$542,163	$259,889	—
2021	$422,020	$250,863	—
2020	$400,242	$246,709	—

2025 property taxes (current owner): $4,385/yr

Estimated taxes if purchased at asking price: ~$11,700/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 — year not disclosed (home built 2001)

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

Sewer · JEA · Public water · JEA_Premises point dataset with CCB_DESC like Water

County records show this parcel on central sewer served by JEA — no septic system to inspect or maintain.

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

Solar potential: ~1,826 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

Aug 17, 2026Active Under Contract$735,000
Jul 31, 2026Price change$735,000−$15,000
Nov 18, 2025Listed$750,000

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

Features

Price$735,000

Price / Sq Ft$332

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,217

Acres0.16 acres

Year Built2001

TypeResidential

Sub-TypeSingle Family Residence

StatusActive Under Contract

# of Garages2

Has PoolNo

Is WaterfrontNo

Gated CommunityYes

Direction FacesWest

School Information

ElementaryKetterlinus

MiddleSebastian

HighSt. Augustine

Community Information

Address644 Sand Isles Circle, Ponte Vedra Beach, FL 32082

Area264-South Ponte Vedra Beach

SubdivisionTurtle Shores

CityPonte Vedra Beach

CountySt. Johns

StateFL

Zip Code32082

Lot Size6,969.6 sq ft

Parcel Number1421461490

ZoningResidential

Amenities

AmenitiesPool, Basketball Court, Beach Access, Clubhouse, Fitness Center, Gated, Pickleball, Playground, Spa/Hot Tub, Tennis Court(s)

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAdditional Parking, Garage, Garage Door Opener

ViewBeach

Interior

Interior FeaturesCeiling Fan(s), Eat-in Kitchen, Entrance Foyer, His and Hers Closets, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Disposal, Electric Cooktop, Electric Range, Electric Water Heater, Microwave, Refrigerator

HeatingCentral, Electric, Heat Pump

CoolingCentral Air, Electric

FlooringCarpet, Tile

FireplaceYes

# of Fireplaces1

Fireplace FeaturesGas

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, Lower Level, Washer Hookup

SecuritySecurity Gate, Smoke Detector(s)