This home is in Coastal Oaks, Ponte Vedra.

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Active

Active·96 days on market·Coastal Oaks

323 Mahi Drive

Ponte Vedra, FL 32081

$1,165,000$406/sqftEst. $6,201/moMLS# 2137943

Beds

Baths

2,867

Sq Ft

2019

Built

Garage

Pool

About this home

Coastal Oaks

One-Level Luxury in Guard-Gated Coastal Oaks -- No Stairs, No Pool to Maintain, Nothing to Do but Move In. Tucked behind the gates of Coastal Oaks at Nocatee, this impeccably maintained 4-bedroom, 3-bath home was made for easy, elevated living -- all on a single level. No stairs, no compromise. Nearly 2,900 square feet of thoughtfully designed, move-in-ready space opens to serene preserve views and a private, low-maintenance backyard built for relaxing, not weekend chores. At the heart of the home, a Jenn-Air chef's kitchen flows into the family room and out to an extended covered lanai with pergola and firepit -- the kind of space you'll actually use on a quiet evening, with none of the upkeep a pool demands. The owner's suite is a true retreat: spa-style bath, generous walk-in closets, and a peaceful preserve backdrop. Three additional bedrooms flex easily for guests or visiting grandchildren, plus a dedicated home office.

Cost to own

Mortgage calculator

Home Price

$1,165,000

Down Payment: 20%

$233,000

Interest Rate: 6.49%

Loan Term

Monthly Payment

$5,885

Principal & Interest: $5,885

Est. Taxes & Insurance: $1,471

Estimated Total Monthly

$7,356

*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, Freddie Mac PMMS via FRED). Actual payments 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 · 7.0% · 30yr$6,201

Property taxesest. at asking price, St. Johns County$1,550

HOAbilled quarterly$255

Estimated total, before insurance$8,006/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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.

Cost to own

Taxes & assessment

Last sold: $1,225,000 in April 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$934,229	$883,507	—
2024	$970,158	$894,876	—
2023	$950,260	$842,810	—
2022	$656,683	$318,926	—
2021	$542,424	$308,181	—
2020	$513,126	$303,236	—

2025 property taxes (current owner): $11,666/yr

Estimated taxes if purchased at asking price: ~$18,600/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.

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 D

Zone D evacuates after zones A, B, C in an approaching storm.

Roof: Shingle — year not disclosed (home built 2019)

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

Sewer & public water · JEA

County records show this parcel on central sewer served by JEA — no septic system to inspect or maintain.

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

Solar potential: ~1,757 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

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History

Price & status history

Apr 10, 2026Listed$1,165,000

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

Features

Price$1,165,000

Price / Sq Ft$406

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,867

Acres0.23 acres

Year Built2019

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontNo

Gated CommunityYes

School Information

ElementaryPine Island Academy

MiddlePine Island Academy

HighAllen D. Nease

Community Information

Address323 Mahi Drive, Ponte Vedra, FL 32081

Area272-Nocatee South

SubdivisionCoastal Oaks At Nocatee

CityPonte Vedra

CountySt. Johns

StateFL

Zip Code32081

Lot Size10,018.8 sq ft

Parcel Number0702928520

ZoningResidential

Amenities

AmenitiesPool, Car Wash Area, Clubhouse, Dog Park, Fitness Center, Gated, Jogging Path, Maintenance Grounds, Park, Pickleball, Playground, Security, Tennis Court(s)

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

SewerPublic Sewer

Water SourcePublic

ParkingAttached

ViewProtected Preserve

Interior

Interior FeaturesCeiling Fan(s), His and Hers Closets, Jack and Jill Bath, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Smart Thermostat, Split Bedrooms, Walk-In Closet(s)

AppliancesConvection Oven, Dishwasher, Disposal, Double Oven, Gas Cooktop, Gas Water Heater, Ice Maker, Microwave, Refrigerator, Tankless Water Heater, Water Softener Owned

HeatingCentral

CoolingCentral Air, Electric

FlooringTile

FireplaceYes

# of Fireplaces1

Fireplace FeaturesGas

# of Stories1

LevelsOne

LaundrySink

SecurityGated with Guard