This home is in Turtle Shores, Ponte Vedra Beach — a gated community home in Ponte Vedra Beach.
Sold·Closed Jun 9, 2026·56 days on market·Recent sales in Turtle Shores·Turtle Shores
645 Sand Isles Circle
Ponte Vedra Beach, FL 32082
2 more homes for sale in Turtle Shores →Search Turtle Shores on the map
About this home
Turtle Shores
OPEN HOUSE OPPORTUNITY Thurs. 5/21 Noon-3pm! Coastal living at its finest in this beautiful home in Turtle Shores! Enjoy a lifestyle filled with standout features--from private beach access to tranquil lagoon views right from your backyard. Energy-efficient solar panels help keep electric costs impressively low, often under $50/month. Inside, you'll find custom built-in cabinetry, durable 20x20 tile flooring, and soaring 18' volume ceilings in the family room. The spacious eat-in kitchen offers a center island, perfect for gathering, while plantation shutters add style throughout. The generous owner's suite features a garden tub, separate shower, and an oversized walk-in closet. Experience comfort, efficiency, and coastal charm all in one. Schedule your private showing today and start making unforgettable memories!
Next steps in Turtle Shores
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).
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
Storms & insurance
Florida Reality Check
The storm-and-insurance facts every Florida buyer should know up front.
Flood zone not yet determined
Check the exact parcel at msc.fema.gov or ask Krista to pull it.
Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.
Evacuation zone not yet determined
Check floridadisaster.org/knowyourzone.
Roof: Shingle — year not disclosed (home built 2002)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,827 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 homeThis 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.
Sun & Light
West-facing backyard — the sunset lot
The listing reports the home facing east, which puts the backyard on the west side. Today at this address: sunrise 7:24 AM, sunset 6:59 PM.
- Sunsets happen over your own backyard — and in summer the rear takes the full afternoon sun, so the lanai runs hottest of any orientation from about 3pm on.
- A pool back here is the warmest in town and glitters in the evening; expect afternoon glare on west-facing glass and real value in lanai screening or shade trees.
- Morning coffee happens in shade; the front of the home takes the sunrise.
Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $589,380 | $272,936 | — |
| 2024 | $589,468 | $264,536 | — |
| 2023 | $558,183 | $255,375 | — |
| 2022 | $513,974 | $246,481 | — |
| 2021 | $391,676 | $237,846 | — |
| 2020 | $372,024 | $233,872 | — |
2025 property taxes (current owner): $4,187/yr
Estimated taxes if purchased at asking price: ~$10,600/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.
Closed sales
What sold nearby
Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $328/sq ft; this home is listed at $311/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 644 Sand Isles Circle, Ponte Vedra Beach, FL 32082Listed by REAL BROKER LLC | Sep 2026 | $710,000 | $320 | 4/3 | 2,217 | 272 | 0 |
| 687 Sand Isles Circle, Ponte Vedra Beach, FL 32082Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS | Jul 2026 | $634,000 | $312 | 4/2.5 | 2,030 | 117 | 0.1 |
| 1436 Atlantic Breeze Way Way, Ponte Vedra Beach, FL 32082Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINE | Jun 2026 | $505,000 | $173 | 4/3.5 | 2,911 | 0 | 0.3 |
| 1465 Atlantic Breeze Way, Ponte Vedra Beach, FL 32082Listed by BERKSHIRE HATHAWAY HOME SERVICES FLORIDA NETWORK | May 2025 | $860,000 | $328 | 4/4 | 2,619 | 173 | 0.3 |
| 3113 S Ponte Vedra Boulevard, Ponte Vedra Beach, FL 32082Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS | Jun 2026 | $2,350,000 | $806 | 4/3.5 | 2,916 | 218 | 0.4 |
| 3131 S Ponte Vedra Boulevard, Ponte Vedra Beach, FL 32082Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS | Aug 2026 | $1,700,000 | $572 | 5/4 | 2,972 | 79 | 0.5 |
Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: EXP REALTY LLC
Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.
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 →Keep looking
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For Sale308 Ebb Tide CourtPonte Vedra Beach, FL 32082
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For Sale212 Salt Grass CourtPonte Vedra Beach, FL 32082
3 bd · 2 ba · 1,822 sq ft
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Jun 9, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.
Text Krista about this saleHomes for sale nearby →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.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines