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 Coastal Oaks, Ponte Vedra — a gated community home in St. Johns County.

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Pending

Pending·153 days on market·Coastal Oaks

510 Portsmouth Bay Avenue

Ponte Vedra, FL 32081

$750,000$258/sqftEst. $3,856/moMLS# 2138075

Beds

Baths

2,912

Sq Ft

2016

Built

Garage

Pool

About this home

Coastal Oaks

This is the best deal in Coastal Oaks!! Close to 3000 sq feet for $750,000!!! This Toll Brothers home features the highly sought-after Grandville floor plan and home has been lovingly maintained by its original owner. Seller installed a new AC unit in Spring of 2026. New LVP flooring has been added in the main living spaces on the first floor. New glass garden doors open the space leading to the lanai. Home was painted fresh in many of the first-floor spaces Upstairs, a spacious bonus/game room provides endless flexibility, with the potential to serve as a fourth bedroom, media room, or private retreat. A full bathroom completes the 2nd floor. Nestled on an exceptionally private lot, this home is a true sanctuary. Enjoy peaceful mornings and relaxing evenings surrounded by nature, with frequent wildlife sightings that make it a dream setting for bird watchers and outdoor enthusiasts alike. Coastal Oaks is one of the few guard-gated communities in Nocatee. This home is a rare f

Cost to own

Mortgage calculator

Home Price

$750,000

Down Payment: 20%

$150,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$3,856

Principal & Interest: $3,856

Property taxes (est.): $998

Insurance (est.): $500

Estimated Total Monthly

$5,354

*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$3,856

Property taxesest. at asking price, St. Johns County$998

HOAbilled quarterly$255

Estimated total, before insurance$5,109/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$9,668/yr · $806/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

Year	Market value	Taxable value	Change
2025	$790,866	$455,786	—
2024	$831,299	$442,233	—
2023	$758,755	$427,896	—
2022	$709,023	$413,977	—
2021	$534,760	$400,463	—
2020	$460,013	$394,244	—

2025 property taxes (current owner): $9,668/yr

Estimated taxes if purchased at asking price: ~$12,000/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: Membrane, Shingle — year not disclosed (home built 2016)

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

Solar potential: ~1,778 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 28, 2026Pending$750,000
Aug 17, 2026Active Under Contract$750,000
Aug 14, 2026Active$750,000
Aug 7, 2026Active Under Contract$750,000
Jul 30, 2026Price change$750,000−$40,000
Jul 9, 2026Price change$790,000−$35,000
Apr 2, 2026Listed$825,000

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

Features

Price$750,000

Price / Sq Ft$258

Bedrooms3

Bathrooms3.50

Full Baths3

Half Baths1

Square Footage2,912

Total Structure Area3,747 sq ft

Year Built2016

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionUpdated/Remodeled

StatusPending

# of Garages2

Has PoolNo

Is WaterfrontNo

Gated CommunityYes

School Information

ElementaryPine Island Academy

MiddlePine Island Academy

HighAllen D. Nease

Community Information

Address510 Portsmouth Bay Avenue, Ponte Vedra, FL 32081

Area272-Nocatee South

SubdivisionCoastal Oaks

CityPonte Vedra

CountySt. Johns

StateFL

Zip Code32081

Parcel Number0702910560

ZoningResidential

Amenities

AmenitiesPool, Basketball Court, Clubhouse, Fitness Center, Gated, Jogging Path, Management - Full Time, Pickleball, Playground, Tennis Court(s), Trash

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

Water SourcePublic

ParkingAdditional Parking, Garage, Garage Door Opener, On Street

ViewTrees/Woods

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Built-in Features, Ceiling Fan(s), Entrance Foyer, Jack and Jill Bath, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s), Wet Bar

AppliancesDishwasher, Disposal, Dryer, Gas Cooktop, Gas Oven, Gas Water Heater, Microwave, Refrigerator, Tankless Water Heater, Washer, Water Softener Owned, Wine Cooler

HeatingCentral, Electric, Heat Pump, Zoned

CoolingCentral Air, Electric, Zoned

FlooringCarpet, Tile

FireplaceYes

# of Fireplaces1

Fireplace FeaturesGas

# of Stories2

LevelsTwo

LaundryGas Dryer Hookup, In Unit, Lower Level, Washer Hookup

Security24 Hour Security, Gated with Guard, Security Gate, Smoke Detector(s)