This home is in Ponte Vedra Beach.

1 / 11

Active Under Contract

Active Under Contract·160 days on market

195 San Juan Drive

Ponte Vedra Beach, FL 32082

$3,750,000$1568/sqftEst. $19,959/moMLS# 2128873

Beds

Baths

2,392

Sq Ft

1954

Built

Garage

Pool

About this home

Ponte Vedra Beach

Presenting one of the few remaining lagoon lots facing east over the lagoon with magnificent distant golf course and Ponte Vedra Blvd views! Best of all, this property is located across the street from the chipping/putting green and steps from the beloved Ponte Vedra Golf Club. There is currently scarcity of similar properties as the majority of the prime east facing lots within walking distance to The Club have been redeveloped over recent years. Although there is an existing structure (circa 1954), this is a land value sale. The seller/owner is making no representations or warranties as to systems, structure or roof ages or condition as she has never occupied the property, however it is important to note that the residence has been rented long term for many years during the previous owner's ownership (most recent renter vacated just a month ago) therefore it is possible that this property may be rentable for the buyer who may not be ready to occupy or build on this fabulous lot.

Cost to own

Mortgage calculator

Home Price

$3,750,000

Down Payment: 20%

$750,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$19,061

Principal & Interest: $19,061

Est. Taxes & Insurance: $4,765

Estimated Total Monthly

$23,826

*Estimates based on 30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, 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$19,959

Property taxesest. at asking price, St. Johns County$4,990

Estimated total, before insurance$24,949/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	$2,469,722	$1,947,448	—
2025	$73,611	$38,462	—
2024	$2,358,123	$1,770,407	—
2024	$69,095	$34,966	—
2023	$2,234,384	$1,609,461	—
2023	$60,734	$31,788	▲ $7,970
2022	$1,955,064	$1,463,146	—
2022	$37,453	$28,899	▼ $1,155
2021	$1,434,810	$1,330,133	—
2021	$32,106	$26,272	—
2020	$1,356,719	$1,209,212	—
2020	$25,553	$23,884	▲ $3,867

2025 property taxes (current owner): $30,319/yr

Estimated taxes if purchased at asking price: ~$59,900/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: material not specified — year not disclosed (home built 1954)

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: ~1,655 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.

History