This home is in Coastal Oaks, Ponte Vedra.

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Active

Active·135 days on market·Coastal Oaks

112 Oyster Bay Way

Ponte Vedra, FL 32081

$512,000$238/sqftEst. $2,725/moMLS# 2131476

Beds

Baths

2,151

Sq Ft

2008

Built

Garage

Pool

About this home

Coastal Oaks

The only 3-bedroom townhome currently available in the gated community of Coastal Oaks, this exceptional home offers an outstanding opportunity to enjoy spacious, low-maintenance living in Nocatee.Tucked away at the end of a quiet cul-de-sac, this beautifully maintained 3-bedroom, 2.5-bath townhome combines an ideal location, thoughtful layout, and incredible value. Enjoy the ease of true lock-and-leave living, with the HOA taking care of lawn maintenance, the roof, and exterior upkeep, so you can spend more time enjoying the Coastal Oaks lifestyle. Residents enjoy exclusive access to resort-style amenities, including sparkling pools, a state-of-the-art fitness center, scenic walking trails, and a vibrant calendar of community events. Inside, the open-concept floor plan is filled with natural light and designed for both everyday living and effortless entertaining. The beautifully appointed kitchen features granite countertops, abundant and cabinetry.

Cost to own

Mortgage calculator

Home Price

$512,000

Down Payment: 20%

$102,400

Interest Rate: 6.55%

Loan Term

Monthly Payment

$2,602

Principal & Interest: $2,602

Est. Taxes & Insurance: $651

Estimated Total Monthly

$3,253

*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$2,725

Property taxesest. at asking price, St. Johns County$681

HOAbilled quarterly$255

Estimated total, before insurance$3,662/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

Last sold: $499,000 in May 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$440,240	$389,518	—
2024	$450,530	$390,188	—
2023	$417,326	$367,326	—
2022	$385,241	$187,958	▲ $49,721
2021	$293,205	$181,027	—
2020	$231,712	$177,837	—

2025 property taxes (current owner): $7,229/yr

Estimated taxes if purchased at asking price: ~$8,200/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 2008)

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: ~1,745 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

Mar 4, 2026Listed$512,000

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

Features

Price$512,000

Price / Sq Ft$238

Bedrooms3

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage2,151

Total Structure Area2,151 sq ft

Acres0.07 acres

Year Built2008

TypeResidential

Sub-TypeTownhouse

StyleTraditional, Other

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Gated CommunityYes

School Information

ElementaryPine Island Academy

MiddlePine Island Academy

HighAllen D. Nease

Community Information

Address112 Oyster Bay Way, Ponte Vedra, FL 32081

Area272-Nocatee South

SubdivisionCoastal Oaks At Nocatee

CityPonte Vedra

CountySt. Johns

StateFL

Zip Code32081

Lot Size3,049.2 sq ft

Parcel Number0702918660

ZoningResidential

Amenities

AmenitiesPool, Basketball Court, Children's Pool, Clubhouse, Dog Park, Fitness Center, Gated, Jogging Path, Maintenance Grounds, Park, Pickleball, Playground, Security, Tennis Court(s)

UtilitiesCable Available, Sewer Connected, Water Connected

Water SourcePublic

ParkingAdditional Parking, Garage, Garage Door Opener, Gated

ViewProtected Preserve, Trees/Woods

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Tub with Shower, Walk-In Closet(s)

AppliancesDishwasher, Dryer, Microwave, Tankless Water Heater, Washer, Water Softener Owned

HeatingZoned

CoolingCentral Air

FlooringTile, Wood

# of Stories2

LevelsTwo

SecurityGated with Guard, Security Gate, Security System Owned, Smoke Detector(s)