This home is in Turtle Shores, Ponte Vedra Beach — a waterfront home in Ponte Vedra Beach.
Sold·Closed Jul 15, 2026·117 days on market·Recent sales in Turtle Shores·Turtle Shores
687 Sand Isles Circle
Ponte Vedra Beach, FL 32082
2 more homes for sale in Turtle Shores →Search Turtle Shores on the map
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.
Next steps in Turtle Shores
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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
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 homeThis 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.
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: ~$10,100/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.
History
Price & status history
- Jul 24, 2026Closed$649,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
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 $328/sq ft; this home is listed at $320/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 644 Sand Isles Circle, Ponte Vedra Beach, FL 32082Listed by REAL BROKER LLC | Sep 2026 | $710,000 | $320 | 4/3 | 2,217 | 272 | 0.1 |
| 645 Sand Isles Circle, Ponte Vedra Beach, FL 32082Listed by EXP REALTY LLC | Jun 2026 | $665,000 | $286 | 4/3 | 2,325 | 56 | 0.1 |
| 1465 Atlantic Breeze Way, Ponte Vedra Beach, FL 32082Listed by BERKSHIRE HATHAWAY HOME SERVICES FLORIDA NETWORK | May 2025 | $860,000 | $328 | 4/4 | 2,619 | 173 | 0.2 |
| 124 Beachside Drive, Ponte Vedra, FL 32082Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINE | Oct 2026 | $480,000 | $300 | 3/2 | 1,598 | 14 | 0.5 |
| 3009 S Ponte Vedra Boulevard, Ponte Vedra Beach, FL 32082Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY | Oct 2025 | $1,450,000 | $1,007 | 3/2 | 1,440 | 31 | 0.6 |
| 276 Brighton Court, St. Augustine, FL 32084Listed by BEACHSIDE BROKERS REALTY, INC | Jul 2026 | $640,000 | $385 | 3/2 | 1,663 | 84 | 1.1 |
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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: KELLER WILLIAMS REALTY ATLANTIC PARTNERS
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 Turtle Shores
Turtle Shores is a neighborhood in Ponte Vedra Beach, FL (St. Johns County), ZIP 32082.
View all Turtle Shores homes for sale →Keep looking
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Jul 15, 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.
Text Krista about this saleHomes for sale nearby →20+ years · 500+ closings · NE Florida
Curious what nearby homes sold for?
MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines