This home is in Turtle Shores, Ponte Vedra Beach.

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Pending

Pending·87 days on market·Turtle Shores

687 Sand Isles Circle

Ponte Vedra Beach, FL 32082

$649,000$320/sqftEst. $3,454/moMLS# 2125665

Beds

Baths

2,030

Sq Ft

2001

Built

Garage

Pool

About this home

Turtle Shores

Are you looking for a home within walking distance of the beach, complete with a private tunnel? Your search ends here! This stunning 4-bedroom, 2.5-bathroom home, situated by a serene pond, features vaulted ceilings and an abundance of windows that fill the space with Florida sunshine. The primary bedroom, located on the first floor, includes an ensuite bathroom with an entrance to the outdoor deck. There is an additional bedroom on this level, which can serve as an office. On the second floor, you'll find two bedrooms connected by a full bathroom, along with a cozy loft area. The first floor has built-in cabinets and new flooring. The roof was installed in late 2017, and the air conditioning unit is just two years old. This gated community offers a variety of amenities, including a pool, hot tub, gym, tennis and pickleball courts, as well as basketball court. Conveniently located to St. Augustine, golf courses and major hospitals.

Cost to own

Mortgage calculator

Home Price

$649,000

Down Payment: 20%

$129,800

Interest Rate: 6.49%

Loan Term

Monthly Payment

$3,278

Principal & Interest: $3,278

Est. Taxes & Insurance: $820

Estimated Total Monthly

$4,098

*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, Freddie Mac PMMS via FRED). Actual payments 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 · 7.0% · 30yr$3,454

Property taxesest. at asking price, St. Johns County$864

HOAbilled monthly$184

Estimated total, before insurance$4,502/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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.

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$560,926	$286,288	—
2024	$556,704	$277,512	—
2023	$524,856	$267,973	—
2022	$480,324	$258,712	—
2021	$372,322	$249,720	—
2020	$351,299	$245,582	—

2025 property taxes (current owner): $4,367/yr

Estimated taxes if purchased at asking price: ~$10,400/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.

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 — year not disclosed (home built 2001)

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

Solar potential: ~1,810 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

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

Features

Price$649,000

Price / Sq Ft$320

Bedrooms4

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage2,030

Total Structure Area3,003 sq ft

Acres0.14 acres

Year Built2001

TypeResidential

Sub-TypeSingle Family Residence

StyleCraftsman

StatusPending

# of Garages2

Has PoolNo

Is WaterfrontYes

Gated CommunityYes

School Information

ElementaryKetterlinus

MiddleSebastian

Community Information

Address687 Sand Isles Circle, Ponte Vedra Beach, FL 32082

Area264-South Ponte Vedra Beach

SubdivisionTurtle Shores

CityPonte Vedra Beach

CountySt. Johns

StateFL

Zip Code32082

Lot Size6,098.4 sq ft

Lot Dimensions55x115x55x118

Parcel Number1421461660

ZoningResidential

Amenities

AmenitiesPool, Basketball Court, Beach Access, Clubhouse, Fitness Center, Gated, Maintenance Grounds, Management - Off Site, Pickleball, Playground, Security, Spa/Hot Tub, Tennis Court(s)

UtilitiesCable Connected, Sewer Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage

ViewPond

Waterfront TypePond

Interior

Interior FeaturesEat-in Kitchen, Entrance Foyer, Jack and Jill Bath, Kitchen Island, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs

AppliancesConvection Oven, Dishwasher, Disposal, Dryer, Electric Range, Electric Water Heater, Microwave, Refrigerator, Washer, Water Softener Owned

HeatingCentral, Electric, Heat Pump, Zoned

CoolingCentral Air

FlooringCarpet, Tile, Wood

FireplaceYes

Fireplace FeaturesWood Burning

# of Stories2

LevelsTwo

LaundryLower Level

SecuritySecurity Gate, Smoke Detector(s)