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

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Sold

Sold·Closed May 22, 2026·129 days on market·Recent sales in South Ponte Vedra Beach·South Ponte Vedra Beach

3103 S Ponte Vedra Boulevard

Ponte Vedra Beach, FL 32082

$2,920,000sold priceListed at $3,150,000 · 92.7% of asking$911/sqftMLS# 2120479
4
Beds
4
Baths
3,206
Sq Ft
1996
Built
2
Garage
No
Pool

5 more homes for sale in South Ponte Vedra Beach →Search South Ponte Vedra Beach on the map

No HOA0.48 acresWaterfrontSingle Family Residence2 stories

About this home

South Ponte Vedra Beach

This stunning beach house is a vibe! Offering 111 feet of pristine shoreline on a .45-acre lot, delivering exceptional privacy and breathtaking views. European-inspired with exquisite custom woodwork, the home features a new 2020 roof, hurricane-rated windows, a concrete bulkhead, and a beautifully updated kitchen and owner's suite. The flexible layout provides two luxurious primary suites upstairs and two additional suites plus a kitchenette on the main level. Enjoy two elegant family rooms and an expansive oceanfront balcony with glass-panel railings. Elevated ocean views fill most rooms, while the resort-style grounds include a putting green, outdoor shower, private beach walkover, new parking pad, and an oversized two-car garage.

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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$16,174
Property taxesest. at asking price, St. Johns County$3,886
Estimated total, before insurance$20,060/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$26,610/yr · $2,218/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

$2,920,000
$584,000
Loan Term
Monthly Payment
$16,174
Principal & Interest: $16,174
Property taxes (est.): $3,886
Insurance (est.): $1,947
Estimated Total Monthly
$22,006
*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 — 2020 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

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

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, league fields and grocery store from this home's location.

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. 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 7:30 AM, sunset 6:50 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

2025 property taxes (current owner): $26,610/yr

Estimated taxes if purchased at asking price: ~$46,600/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 $327/sq ft; this home is listed at $983/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
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
1309 Turtle Dunes Court, Ponte Vedra Beach, FL 32082Listed by CHAD AND SANDY REAL ESTATE GROUPJun 2026$850,000$2745/3.53,099370.1
3113 S Ponte Vedra Boulevard, Ponte Vedra Beach, FL 32082Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERSJun 2026$2,350,000$8064/3.52,9162180.1
1460 Atlantic Breeze Way, Ponte Vedra Beach, FL 32082Listed by COMPASS FLORIDA LLCDec 2025$849,000$2595/43,2731800.1
3131 S Ponte Vedra Boulevard, Ponte Vedra Beach, FL 32082Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERSAug 2026$1,700,000$5725/42,972790.2
1125 S Marsh Wind Way, Ponte Vedra Beach, FL 32082Listed by BEACH TOWN REALTY OF ST AUGUSTINEMar 2026$980,000$3274/43,0012990.2

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$3,150,000
Price / Sq Ft$983
Bedrooms4
Bathrooms4.00
Full Baths4
Square Footage3,206
Acres0.48 acres
Year Built1996
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
Property ConditionUpdated/Remodeled
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontYes
Direction FacesWest

Community Information

Address3103 S Ponte Vedra Boulevard, Ponte Vedra Beach, FL 32082
Area264-South Ponte Vedra Beach
SubdivisionSouth Ponte Vedra Beach
CityPonte Vedra Beach
CountySt. Johns
StateFL
Zip Code32082
Lot Size20,908.8 sq ft
Lot Dimensions111' oceanfront
Parcel Number1422150520
ZoningResidential

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected
SewerSeptic Tank
Water SourcePublic
ParkingAttached, Garage, Garage Door Opener
ViewBeach, Ocean
Waterfront TypeDeeded Beach Access, Ocean Access, Ocean Front, Seawall

Interior

Interior FeaturesBuilt-in Features, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Guest Suite, In-Law Floorplan, Kitchen Island, Primary Bathroom -Tub with Separate Shower, Vaulted Ceiling(s), Walk-In Closet(s), Wet Bar
AppliancesConvection Oven, Dishwasher, Disposal, Dryer, Freezer, Gas Range, Ice Maker, Refrigerator, Washer, Wine Cooler
HeatingCentral
CoolingCentral Air, Electric, Multi Units
FlooringTile, Wood
FireplaceYes
# of Fireplaces2
Fireplace FeaturesGas
# of Stories2
LevelsTwo
LaundryElectric Dryer Hookup, Lower Level
SecuritySmoke Detector(s)

Exterior

Exterior FeaturesDock, Outdoor Shower, Storm Shutters, Other
Patio / PorchCovered, Deck, Patio
FencingWood
RoofShingle
ConstructionConcrete, Frame
Road SurfaceAsphalt
Road FrontageState Road

Additional Information

Date ListedDecember 5, 2025
Days on Market129
Tax Amount$26,610.25
Tax Year2025
Listing TermsCash, Conventional
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: DOUGLAS ELLIMAN FLORIDA

Sold by: REDFIN CORPORATION (buyer's brokerage)

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 South Ponte Vedra Beach

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

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South Ponte Vedra Beach guides & reports

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Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on May 22, 2026. 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.

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20+ years · 500+ closings · NE Florida

Is this home priced right?

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Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

Northeast Florida living

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

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