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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 Ponte Vedra Beach — a home near Ponte Vedra High School.

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Sold

Sold·Closed Aug 21, 2026·149 days on market·Recent sales in Ponte Vedra Beach

195 San Juan Drive

Ponte Vedra Beach, FL 32082

$3,700,000sold priceListed at $3,750,000 · 98.7% of asking$1547/sqftMLS# 2128873
3
Beds
3
Baths
2,392
Sq Ft
1954
Built
2
Garage
No
Pool
FEMA Zone XNo HOA0.40 acresWaterfrontSingle Family Residence1 story

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

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$20,494
Property taxesest. at asking price, St. Johns County$4,923
Estimated total, before insurance$25,418/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$30,319/yr · $2,527/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

$3,700,000
$740,000
Loan Term
Monthly Payment
$20,494
Principal & Interest: $20,494
Property taxes (est.): $4,923
Insurance (est.): $2,467
Estimated Total Monthly
$27,885
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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.

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

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.

Sun & Light

West-facing backyard — the sunset lot

The listing reports the home facing east, which puts the backyard on the west side. Today at this address: sunrise 7:25 AM, sunset 6:59 PM.

  • Sunsets happen over your own backyard — and in summer the rear takes the full afternoon sun, so the lanai runs hottest of any orientation from about 3pm on.
  • A pool back here is the warmest in town and glitters in the evening; expect afternoon glare on west-facing glass and real value in lanai screening or shade trees.
  • Morning coffee happens in shade; the front of the home takes the sunrise.

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

YearMarket valueTaxable valueChange
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: ~$59,100/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

  • Aug 21, 2026Closed$3,750,000
  • Aug 12, 2026Pending$3,750,000
  • Jul 13, 2026Active Under Contract$3,750,000
  • Feb 6, 2026Listed$3,750,000

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 $434/sq ft; this home is listed at $1,568/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
6010 Bridgewater Circle, Ponte Vedra Beach, FL 32082Listed by EXP REALTY LLCSep 2026$879,000$5133/31,71520.6
100 Ocean Course Drive, Ponte Vedra Beach, FL 32082Listed by FLORIDA HOMES REALTY & MTG LLCAug 2026$1,100,000$4344/42,535640.6
232 Briarwood Lane, Ponte Vedra Beach, FL 32082Listed by SOUND INVESTMENTS REAL ESTATEJul 2026$850,000$3994/2.52,129580.6
316 Marsh Cove Drive, Ponte Vedra Beach, FL 32082Listed by COMPASS FLORIDA LLCSep 2026$915,000$4004/32,29030.7
4108 Duval Drive, Jacksonville Beach, FL 32250Listed by BERRY & CO. REAL ESTATESep 2026$3,800,000$1,3454/32,826170.9
145 Deer Cove Drive, Ponte Vedra Beach, FL 32082Listed by FLORIDA HOMES REALTY & MTG LLCSep 2026$975,000$3174/3.53,077241.1

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

Price$3,750,000
Price / Sq Ft$1,568
Bedrooms3
Bathrooms3.00
Full Baths3
Square Footage2,392
Acres0.40 acres
Year Built1954
TypeResidential
Sub-TypeSingle Family Residence
StyleRanch
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontYes
Direction FacesEast

School Information

Community Information

Address195 San Juan Drive, Ponte Vedra Beach, FL 32082
Area251-Ponte Vedra Beach-E Of A1A-N Of Corona Rd
SubdivisionPonte Vedra Beach
CityPonte Vedra Beach
CountySt. Johns
StateFL
Zip Code32082
Lot Size17,424 sq ft
Lot Dimensions125 front x 77 rear
Parcel Number0580400000
ZoningSingle Family

Amenities

UtilitiesCable Available, Electricity Available, Water Available
Water SourcePublic
ParkingAttached, Garage
ViewBridge(s), Golf Course, Water
Waterfront TypeLagoon

Interior

Interior FeaturesEntrance Foyer, Primary Bathroom - Tub with Shower
AppliancesDishwasher, Electric Oven, Electric Range, Electric Water Heater, Microwave, Refrigerator
HeatingCentral, Electric
CoolingCentral Air, Electric
FlooringTile, Wood
FireplaceYes
# of Fireplaces1
Fireplace FeaturesWood Burning
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, In Unit, Washer Hookup

Exterior

Exterior FeaturesDock
Lot DescriptionIrregular Lot
Patio / PorchPatio
FencingFenced, Back Yard
ConstructionBlock
Road SurfaceAsphalt

Additional Information

Date ListedAugust 12, 2026
Days on Market149
Tax Amount$30,318.96
Tax Year2025
Listing TermsCash, Conventional
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: WATSON REALTY CORP

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.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Aug 21, 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

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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