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 S Ponte Vedra Beach, Ponte Vedra Beach — an oceanfront home in Ponte Vedra Beach.

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Active

Active·156 days on market·S Ponte Vedra Beach

2897 S Ponte Vedra Boulevard

Ponte Vedra Beach, FL 32082

$2,100,000$803/sqftEst. $10,796/moMLS# 2136831

Beds

Baths

2,614

Sq Ft

1988

Built

Garage

Pool

About this home

S Ponte Vedra Beach

Cultivate calm and be immersed in the natural Florida seascape right out your back door! This property defines coastal luxury living. 2897 S Ponte Vedra Blvd has been immaculately maintained and updated to make this the lifestyle investment of your dreams. The build of this property feels more like a hotel than a home, with hurricane grade windows & doors, travertine flooring throughout, master bedroom fireplace and expansive views out to east and west. Downstairs features a self contained guest suite complete with kitchenette, living space and bedroom with ensuite bathroom. Brand new roof in 2022, recently installed AC / Hot Water Heater and expanded paver driveway. This home comes Fully Furnished already operating as a successful Vacation home with a strong revenue outlook for 2026 and onwards. Investors will appreciate the truly unique and one-of-a-kind opportunity to own not one, but TWO oceanfront homes side by side with the neighboring property also up for sale.

Cost to own

Mortgage calculator

Home Price

$2,100,000

Down Payment: 20%

$420,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$10,796

Principal & Interest: $10,796

Property taxes (est.): $2,794

Insurance (est.): $1,400

Estimated Total Monthly

$14,991

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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 · 6.66% · 30yr$10,796

Property taxesest. at asking price, St. Johns County$2,794

Estimated total, before insurance$13,591/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$27,834/yr · $2,319/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: $2,250,000 in July 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$1,867,517	$1,867,517	—
2025	$153,354	$25,000	—
2024	$1,835,777	$1,835,777	—
2024	$148,238	$25,000	▲ $5,529
2023	$1,798,837	$1,798,837	—
2023	$145,886	$25,000	—
2022	$1,355,704	$1,355,704	—
2022	$108,913	$25,000	—
2021	$1,129,693	$1,026,260	—
2021	$85,909	$25,000	—
2020	$932,964	$932,964	—
2020	$75,297	$25,000	▲ $9,100

2025 property taxes (current owner): $27,834/yr

Estimated taxes if purchased at asking price: ~$33,500/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 VE — coastal high-hazard area

Flood insurance is required by lenders, at coastal (wave-action) rates.

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: Shingle — 2022 per the listing

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

Septic system (public record) · Public water · JEA

County records indicate an onsite septic system — budget a septic inspection before closing (typically $300–$500) and expect pump-outs every 3–5 years.

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

Solar potential: ~1,800 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

Price & status history

Aug 5, 2026Price change$2,100,000−$100,000
Mar 26, 2026Listed$2,200,000

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

Features

Price$2,100,000

Price / Sq Ft$803

Bedrooms3

Bathrooms3.00

Full Baths3

Square Footage2,614

Total Structure Area2,614 sq ft

Acres0.28 acres

Year Built1988

TypeResidential

Sub-TypeSingle Family Residence

StyleContemporary

Property ConditionUpdated/Remodeled

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontYes

Direction FacesWest

Community Information

Address2897 S Ponte Vedra Boulevard, Ponte Vedra Beach, FL 32082

Area264-South Ponte Vedra Beach

SubdivisionS Ponte Vedra Beach

CityPonte Vedra Beach

CountySt. Johns

StateFL

Zip Code32082

Lot Size12,196.8 sq ft

Lot DimensionsRectangular

Parcel Number1444900000

ZoningResidential

Amenities

UtilitiesCable Available, Cable Connected, Electricity Available, Electricity Connected, Natural Gas Available, Sewer Available, Water Available

SewerSeptic Tank

Water SourcePublic

ParkingAdditional Parking, Circular Driveway, Garage, Garage Door Opener, Off Street

ViewBeach, Ocean, Protected Preserve

Waterfront TypeOcean Front, Seawall

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Built-in Features, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Kitchen Island, Open Floorplan, Primary Bathroom - Tub with Shower, Primary Bathroom -Tub with Separate Shower

AppliancesDisposal, Dryer, Electric Oven, Electric Water Heater, Microwave, Refrigerator, Washer

HeatingCentral, Electric, Heat Pump

CoolingCentral Air, Electric, Multi Units

FlooringCarpet, Tile, Vinyl

FireplaceYes

Fireplace FeaturesGas

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, In Garage, In Unit, Lower Level

Window FeaturesSkylight(s)

SecurityCarbon Monoxide Detector(s), Fire Alarm, Smoke Detector(s)