This home is in Ponte Vedra — a gated community home in St. Johns County.
Active·194 days on market
83 Oyster Bay Way
Ponte Vedra, FL 32081
About this home
Ponte Vedra
Welcome to this beautifully appointed ground-level luxury carriage home in the gated community of Coastal Oaks at Nocatee, one of Northeast Florida's most sought-after lifestyle communities. Offering 1,644 square feet of thoughtfully designed living space, this 2-bedroom, 2-bath residence blends low-maintenance living with refined finishes throughout. The home features engineered hardwood floors, custom wood trim detailing on the walls and ceilings, and a well-appointed kitchen with stainless steel appliances and under-cabinet lighting. Spa-inspired bathrooms showcase upgraded tile work with designer accents, while the open layout flows seamlessly to a screened and pavered lanai -- perfect for enjoying Florida's indoor-outdoor lifestyle. A new HVAC system (Sept 2025) provides added comfort and peace of mind. Residents of Coastal Oaks enjoy resort-style amenities including a private clubhouse
Cost to own
Mortgage calculator
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).
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $386,000 | $248,995 | — |
| 2024 | $367,350 | $241,129 | — |
| 2023 | $367,350 | $232,504 | — |
| 2022 | $315,000 | $229,130 | — |
| 2021 | $271,000 | $221,000 | — |
| 2020 | $271,000 | $221,000 | — |
2025 property taxes (current owner): $5,270/yr
Estimated taxes if purchased at asking price: ~$6,400/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.
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.
Outside all hurricane evacuation zones
This location is not in a designated storm-surge evacuation zone.
Roof: Shingle — year not disclosed (home built 2016)
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: ~1,784 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 homeAs 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.
History
Price & status history
- Aug 13, 2026Price change$399,000−$10,000
- Jul 30, 2026Price change$409,000−$20,000
- Jul 9, 2026Active$429,000
- Feb 17, 2026Listed$429,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: ONE SOTHEBY'S INTERNATIONAL REALTY
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Your Local Realtor
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.
Text Krista about this home20+ 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