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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in Turtle Shores, Ponte Vedra Beach — a gated community home in Ponte Vedra Beach.

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Sold

Sold·Closed Jun 18, 2026·37 days on market·Recent sales in Turtle Shores·Turtle Shores

1309 Turtle Dunes Court

Ponte Vedra Beach, FL 32082

$850,000sold priceListed at $850,000 · 100% of asking$274/sqftMLS# 2137453
5
Beds
3.5
Baths
3,099
Sq Ft
2005
Built
2
Garage
No
Pool

2 more homes for sale in Turtle Shores →Search Turtle Shores on the map

HOA $172/mo8,276 sqft lotSingle Family Residence2 stories

About this home

Turtle Shores

**2 BLOCKS FROM BEACH**REMODELED**NEWER ROOF** Experience coastal living at its finest in this beautifully renovated retreat, located just 2 blocks from the beach with PRIVATE BEACH ACCESS! Situated in the sought after gated community of Turtle Shores, residents enjoy RESORT STYLE AMENITIES. The interior is thoughtfully designed with an OPEN FLOOR PLAN, updated fixtures, and plantation shutters throughout. At the heart of the home is a newly REMODELED GOURMET KITCHEN featuring an oversized island, quartz countertops, a chef's hood vent and induction cooktop, and soft-close shaker cabinetry. The functional SPLIT BED FLOOR PLAN includes a 1ST FL PRIMARY SUITE, a dedicated office, and a spacious upstairs loft or BONUS ROOM. Enjoy the outdoors from the newly REDONE 2nd story balcony with a view of the marsh, or the large screened in pavered patio overlooking a HUGE BACKYARD. This home features NEW FLOORING with luxury vinyl plank and new carpet, plus a NEWER ROOF. Don't miss this gem!

Cost to own

True monthly cost

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

Principal & interest20% down · 7.4% · 30yr$4,708
Property taxesest. at asking price, St. Johns County$1,131
HOAbilled monthly$172
Estimated total, before insurance$6,011/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$6,843/yr · $570/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$850,000
$170,000
Loan Term
Monthly Payment
$4,708
Principal & Interest: $4,708
Property taxes (est.): $1,131
Insurance (est.): $567
Estimated Total Monthly
$6,406
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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.

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 2005)

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

Solar potential: ~1,831 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

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.

Sun & Light

Southwest-facing backyard — long light and winter sunsets

The listing reports the home facing northeast, which puts the backyard on the southwest side. Today at this address: sunrise 7:24 AM, sunset 6:59 PM.

  • The rear carries sun from midday deep into the evening, and in winter the sun sets almost straight into this exposure — the longest usable outdoor light of the diagonal lots.
  • Summer late-afternoons run hot; a pool here is warm and sunset-lit, and shading the lanai’s west edge earns its keep.

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

YearMarket valueTaxable valueChange
2025$761,777$469,352—
2024$763,636$455,417—
2023$714,806$440,696—
2022$644,982$426,404—
2021$508,148$412,528—
2020$479,879$406,142—

2025 property taxes (current owner): $6,843/yr

Estimated taxes if purchased at asking price: ~$13,600/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 $274/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
1436 Atlantic Breeze Way Way, Ponte Vedra Beach, FL 32082Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINEJun 2026$505,000$1734/3.52,91100.1
1465 Atlantic Breeze Way, Ponte Vedra Beach, FL 32082Listed by BERKSHIRE HATHAWAY HOME SERVICES FLORIDA NETWORKMay 2025$860,000$3284/42,6191730.1
644 Sand Isles Circle, Ponte Vedra Beach, FL 32082Listed by REAL BROKER LLCSep 2026$710,000$3204/32,2172720.2
645 Sand Isles Circle, Ponte Vedra Beach, FL 32082Listed by EXP REALTY LLCJun 2026$665,000$2864/32,325560.2
3113 S Ponte Vedra Boulevard, Ponte Vedra Beach, FL 32082Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERSJun 2026$2,350,000$8064/3.52,9162180.2
3131 S Ponte Vedra Boulevard, Ponte Vedra Beach, FL 32082Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERSAug 2026$1,700,000$5725/42,972790.3

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

Price$850,000
Price / Sq Ft$274
Bedrooms5
Bathrooms3.50
Full Baths3
Half Baths1
Square Footage3,099
Acres0.19 acres
Year Built2005
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
Property ConditionUpdated/Remodeled
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontNo
Gated CommunityYes
Direction FacesNortheast

Community Information

Address1309 Turtle Dunes Court, Ponte Vedra Beach, FL 32082
Area264-South Ponte Vedra Beach
SubdivisionTurtle Shores
CityPonte Vedra Beach
CountySt. Johns
StateFL
Zip Code32082
Lot Size8,276.4 sq ft
Parcel Number1421462450
ZoningResidential

Amenities

AmenitiesPool, Basketball Court, Beach Access, Clubhouse, Fitness Center, Gated, Playground, Spa/Hot Tub, Tennis Court(s)
Community FeaturesSidewalks, Street Lights, Gated, Curbs
UtilitiesCable Available, Electricity Available, Sewer Available, Water Available
SewerPublic Sewer
Water SourcePublic
ParkingAdditional Parking, Attached, Garage, Garage Door Opener, Off Street
ViewWater, Other

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Jack and Jill Bath, Kitchen Island, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Solar Tube(s), Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Dryer, Electric Cooktop, Electric Oven, Electric Water Heater, Freezer, Ice Maker, Microwave, Refrigerator, Washer, Water Softener Owned
HeatingCentral, Electric, Heat Pump
CoolingCentral Air, Electric
FlooringCarpet, Tile, Vinyl
FireplaceYes
# of Fireplaces1
Fireplace FeaturesGas
# of Stories2
LevelsTwo
LaundryElectric Dryer Hookup, In Unit, Sink, Washer Hookup
SecuritySecurity Gate, Smoke Detector(s)

Exterior

Exterior FeaturesBalcony
Lot DescriptionSprinklers In Front, Sprinklers In Rear
Patio / PorchCovered, Patio, Screened
RoofShingle
ConstructionStucco
Road SurfaceAsphalt
Road FrontagePrivate Road

Additional Information

Date ListedMarch 31, 2026
Days on Market37
HOA Fees$171.74 / Monthly
HOA FrequencyMonthly
Tax Amount$6,843.41
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: CHAD AND SANDY REAL ESTATE GROUP

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 →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Jun 18, 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.

Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

Northeast Florida living

Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines