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This home is in Turtle Shores, Ponte Vedra Beach.

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Active·156 days on market·Turtle Shores

1351 Turtle Dunes Court

Ponte Vedra Beach, FL 32082

$1,040,000$322/sqftEst. $5,535/moMLS# 2129386
4
Beds
3
Baths
3,230
Sq Ft
2004
Built
2
Garage
No
Pool

About this home

Turtle Shores

This four-bedroom, three-and-a-half-bath home stands out for one simple reason: the view. With sweeping 180-degree vistas of the Intracoastal Waterway and the surrounding marsh, the setting is calm, expansive, and constantly changing with the light and tides. Sunrise and sunset both feel special here. Located on the west side of A1A, the home enjoys easterly breezes without the exposure that comes with oceanfront properties. Beach access is easy and safe through the Turtle Tunnel, making spontaneous walks to the shore part of daily life rather than a planned event. New impact glass windows, renovated kitchen and bathrooms and minutes from the beach...this property has it all. Whether you want quiet mornings overlooking the marsh or easy access to the coast and nearby attractions, this property delivers both. Overall, 1351 Turtle Dunes Ct offers a rare combination of views, coastal access, and location.

Cost to own

Mortgage calculator

$1,040,000
$208,000
Loan Term
Monthly Payment
$5,253
Principal & Interest: $5,253
Est. Taxes & Insurance: $1,313
Estimated Total Monthly
$6,567
*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$5,535
Property taxesest. at asking price, St. Johns County$1,384
HOAbilled monthly$189
Estimated total, before insurance$7,108/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

YearMarket valueTaxable valueChange
2025$889,395$838,673
2024$912,160$829,754
2023$854,130$804,130
2022$718,527$634,834
2021$577,122$577,122
2020$517,035$517,035

2025 property taxes (current owner): $11,839/yr

Estimated taxes if purchased at asking price: ~$16,600/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: Shingle — year not disclosed (home built 2004)

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: ~1,816 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

Price & status history

  • Feb 9, 2026Listed$1,040,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$1,040,000
Price / Sq Ft$322
Bedrooms4
Bathrooms3.50
Full Baths3
Half Baths1
Square Footage3,230
Acres0.28 acres
Year Built2004
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
Property ConditionUpdated/Remodeled
StatusActive
# of Garages2
# of Carport Spaces2
Has PoolNo
Is WaterfrontNo
Gated CommunityYes
Direction FacesEast

Community Information

Address1351 Turtle Dunes Court, Ponte Vedra Beach, FL 32082
Area264-South Ponte Vedra Beach
SubdivisionTurtle Shores
CityPonte Vedra Beach
CountySt. Johns
StateFL
Zip Code32082
Lot Size12,196.8 sq ft
Parcel Number1421462540
ZoningResidential

Amenities

AmenitiesPool, Beach Access, Clubhouse, Fitness Center, Gated, Maintenance Grounds, Pickleball, Security, Tennis Court(s)
UtilitiesElectricity Connected, Sewer Connected, Water Connected, Propane
SewerPublic Sewer
Water SourcePublic
ParkingGarage, Garage Door Opener
ViewIntracoastal

Interior

Interior FeaturesEat-in Kitchen, Entrance Foyer, Kitchen Island, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Wet Bar
AppliancesConvection Oven, Dishwasher, Disposal, Electric Oven, Electric Water Heater, Gas Range, Refrigerator, Washer/Dryer Stacked, Wine Cooler
HeatingCentral, Electric
CoolingCentral Air, Electric
FlooringWood
FireplaceYes
# of Fireplaces1
Fireplace FeaturesElectric
# of Stories2
LevelsTwo
LaundryLower Level
SecuritySecurity Gate, Smoke Detector(s)

Exterior

Exterior FeaturesBalcony, Impact Windows
Lot DescriptionFew Trees, Sprinklers In Front, Sprinklers In Rear, Wetlands
Patio / PorchCovered, Deck, Front Porch, Porch, Rear Porch
RoofShingle
ConstructionStucco
Road SurfaceAsphalt
Road FrontageState Road

Additional Information

Date ListedFebruary 10, 2026
Days on Market154
HOA Fees$189.05 / Monthly
HOA FrequencyMonthly
HOA NameTurtle Shores
HOA Fee IncludesMaintenance Grounds, Security
Tax Amount$11,838.54
Tax Year2025
Listing TermsCash, Conventional
55+ CommunityNo
New ConstructionNo

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 →

Listing Courtesy of: BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY

Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).

Your Local Expert

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.

Contact KristaText Krista about this home

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.

Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

Northeast Florida living

Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines

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