This home is in Ponte Vedra.

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Active·150 days on market

986 S Harbor Lights Drive

Ponte Vedra, FL 32081

$1,950,000Est. $9,942/moMLS# 2132101

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About this home

Ponte Vedra

Homesite number 12 is available! Build your custom dream home on this 99' front feet intracoastal homesite located in the exclusive gated community of Marsh Harbor with gorgeous eastern exposure and expansive intracoastal to marsh views. A significant advantage for the prospective purchaser is the absence of any specified deadline by which construction of the new residence must commence. Select from one of the approved custom home builders or bring your own, subject to ARB approval. Homesite is 1.17 acres (99' x 505') and bordered by preserved natural landscapes ensuring unmatched privacy. Buildable homesite area is 0.30 acre (99' x 175'). Just minutes from the beach and convenient access to nearby shops, restaurants, and Nocatee Town Center. Approximately 19 nautical miles to the St. Augustine inlet or Mayport inlet. Low HOA dues currently $2,567.96 annually and a one time capital contribution of $3,851.94.

Cost to own

Mortgage calculator

Home Price

$1,950,000

Down Payment: 20%

$390,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$9,942

Principal & Interest: $9,942

Property taxes (est.): $2,595

Insurance (est.): $1,300

Estimated Total Monthly

$13,837

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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.

Cost to own

True monthly cost

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

Principal & interest20% down · 6.58% · 30yr$9,942

Property taxesest. at asking price, St. Johns County$2,595

HOAbilled quarterly$214

Estimated total, before insurance$12,751/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.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Zone AE — high-risk flood zone (Special Flood Hazard Area)

Lenders require flood insurance for financed purchases here.

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

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

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.

History