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.

Active

Active·251 days on market·South Ponte Vedra Beach

2769 S Ponte Vedra Boulevard

Ponte Vedra Beach, FL 32082

$795,000Est. $4,083/moMLS# 2121489

Beds

Baths

Sq Ft

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Built

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Garage

Pool

About this home

South Ponte Vedra Beach

One oceanfront lot OR two adjacent oceanfront lots in Ponte Vedra Beach, Florida! Motivated Seller! COME BUILD YOUR DREAM HOME ON THIS OCEANFRONT LOT on the sought after Ponte Vedra Beach coast. You'll find peace and tranquility with 75 feet of ocean frontage (150 ft with both lots). Shopping nearby (Publix at Vilano Beach) as well as the sights and sounds of historical downtown St. Augustine and its many restaurants. Located just south of Ponte Vedra Inn and Club, The Lodge at Ponte Vedra, Sawgrass Country Club, and minutes north of Seranata Beach Club. Seller owns the adjacent lot at 2771 S Ponte Vedra Blvd as well

Cost to own

Mortgage calculator

Home Price

$795,000

Down Payment: 20%

$159,000

Interest Rate: 6.65%

Loan Term

Monthly Payment

$4,083

Principal & Interest: $4,083

Property taxes (est.): $1,058

Insurance (est.): $530

Estimated Total Monthly

$5,671

*30-year loan at 6.65% APR (avg 30-yr rate 2026-08-20, 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 · 6.65% · 30yr$4,083

Property taxesest. at asking price, St. Johns County$1,058

Estimated total, before insurance$5,141/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,742/yr · $395/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	$421,875	$226,479	—
2024	$421,875	$205,890	—
2023	$478,125	$187,173	—
2022	$409,500	$170,157	—
2021	$239,062	$154,688	—
2020	$140,625	$140,625	—

2025 property taxes (current owner): $4,742/yr

Estimated taxes if purchased at asking price: ~$12,700/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 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: material not specified

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

Solar potential: ~1,730 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