Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in Marsh Landing, Ponte Vedra Beach — a gated community home in Ponte Vedra Beach.

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Active Under Contract

Active Under Contract·142 days on market·Marsh Landing

144 Clearlake Drive

Ponte Vedra Beach, FL 32082

$1,387,000$386/sqftEst. $7,153/moMLS# 2134087

Beds

Baths

3,592

Sq Ft

1998

Built

Garage

Pool

About this home

Marsh Landing

BUYER FINANCING FELL THROUGH! Nestled within the exclusive Clearlake enclave of Marsh Landing Country Club, this beautifully maintained home offers luxury living in one of the community's most desirable neighborhoods. Meticulously updated and truly move-in ready, the home combines timeless style with modern upgrades throughout. Featuring 5 bedrooms and 4 full baths, the spacious floor plan is ideal for both everyday living and entertaining. The updated kitchen includes newer appliances and elegant quartz countertops, while the renovated primary bath and new LVP flooring add a fresh, modern touch. Enjoy peaceful mornings or relaxing evenings on the oversized screened lanai overlooking a private backyard with plenty of room to add a pool. Additional updates include exterior paint, a 2018 roof, 2022 AC, tankless water heater, fireplace insert, central vacuum, outdoor lighting, and epoxy garage flooring (2020).

Cost to own

Mortgage calculator

Home Price

$1,387,000

Down Payment: 20%

$277,400

Interest Rate: 6.69%

Loan Term

Monthly Payment

$7,153

Principal & Interest: $7,153

Property taxes (est.): $1,846

Insurance (est.): $925

Estimated Total Monthly

$9,923

*30-year loan at 6.69% APR (avg 30-yr rate 2026-08-06, 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 · 6.69% · 30yr$7,153

Property taxesest. at asking price, St. Johns County$1,846

HOAbilled quarterly$462

Estimated total, before insurance$9,460/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$15,335/yr · $1,278/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).

Cost to own

Taxes & assessment

Last sold: $1,230,000 in June 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$1,113,803	$1,113,803	—
2024	$1,017,720	$1,017,720	—
2023	$1,034,201	$502,680	—
2022	$817,946	$486,583	—
2021	$598,116	$470,954	—
2020	$574,902	$463,761	—

2025 property taxes (current owner): $15,335/yr

Estimated taxes if purchased at asking price: ~$22,100/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.

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 — 2018 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

Sewer · St Johns County Utilities - accounts · Public water · St Johns County Utilities - water accounts

County records show this parcel on central sewer served by St Johns County Utilities - accounts — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,756 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.

History