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 Ponte Vedra — a waterfront home in Nocatee.

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Active

Active·146 days on market

Parcel 7 Pine Island Road

Ponte Vedra, FL 32081

$515,000Est. $2,645/moMLS# 2137252

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About this home

Ponte Vedra

Unique and breathtaking 1.32-acre marshfront homestead-ready lot on Pine Island Rd in Ponte Vedra, ideally located between Nocatee and Palencia. This Residential-A zoned property offers incredible opportunity for unrestricted zoning possibilities, allowing for a custom home, guest house, workshop, RV or boat storage, pool, animal structures, gardens and more. Enjoy permanent, stunning marsh views overlooking more Old Florida conservation land, ensuring long-term privacy and a true, private and peaceful existence. The property features mature hardwoods, native landscape, and abundant wildlife. An environmental assessment has been completed in 2024, providing added confidence for future development. Conveniently located just minutes to US-1, beaches, golf, shopping, dining, and top-rated schools including Pine Island Academy and Nease High School. The adjacent 1.73-acre parcel is also available, offering additional space and potential.

Cost to own

Mortgage calculator

Home Price

$515,000

Down Payment: 20%

$103,000

Interest Rate: 6.65%

Loan Term

Monthly Payment

$2,645

Principal & Interest: $2,645

Property taxes (est.): $685

Insurance (est.): $343

Estimated Total Monthly

$3,673

*30-year loan at 6.65% APR (avg 30-yr rate 2026-08-20, 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 · 6.65% · 30yr$2,645

Property taxesest. at asking price, St. Johns County$685

Estimated total, before insurance$3,330/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 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.

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.

Solar potential: ~1,792 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