This home is in Ponte Vedra Beach — a pool home in Ponte Vedra Beach.
Active Under Contract·184 days on market
521 Rutile Drive
Ponte Vedra Beach, FL 32082
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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Ponte Vedra Beach
BACK ACTIVE-Buyers changed their minds- no fault of the sellers. Located in highly sought-after Old Ponte Vedra Beach, this charming 5-bedroom, 4.5-bath pool home offers a rare opportunity just one block from the ocean and within close proximity to the Ponte Vedra Inn & Club and The Lodge & Club Ponte Vedra Beach. Set on an expansive almost half-acre lagoon-front lot with 125 feet of water frontage, the property combines timeless coastal appeal with an exceptional location--perfect for enjoying ocean breezes, the sound of the waves, and easy access to the area's premier beach clubs. The open-concept interior is filled with natural light and features a beautifully remodeled kitchen, rich wood flooring, and seamless flow between the main living areas. The kitchen is anchored by a 12-foot island and equipped with high-end appliances, including a GE Monogram refrigerator and freezer towers, Wolf convection oven/microwave, Wolf gas range with griddle, Bosch dishwasher, wine cooler
Next steps in Ponte Vedra Beach
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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
Storms & insurance
Florida Reality Check
The storm-and-insurance facts every Florida buyer should know up front.
Zone X (shaded) — moderate flood risk (0.2% annual chance)
Flood insurance is optional but often inexpensive here — worth pricing.
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 — year not disclosed (home built 1973)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Sewer · JEA · Public water · JEA_Premises point dataset with CCB_DESC like Water
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: ~1,685 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 homeAs 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.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $2,738,667 | $1,878,241 | — |
| 2025 | $72,456 | $72,456 | — |
| 2024 | $2,566,240 | $1,824,600 | — |
| 2024 | $68,444 | $68,444 | ▲ $3,412 |
| 2023 | $2,352,389 | $1,770,000 | — |
| 2023 | $67,138 | $62,390 | — |
| 2022 | $2,173,848 | $1,716,990 | — |
| 2022 | $56,719 | $56,719 | — |
| 2021 | $1,715,524 | $1,665,524 | — |
| 2021 | $27,342 | $21,852 | — |
| 2020 | $1,530,869 | $1,480,869 | — |
| 2020 | $26,869 | $19,866 | ▲ $4,690 |
2025 property taxes (current owner): $26,255/yr
Estimated taxes if purchased at asking price: ~$65,100/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.
History
Price & status history
- Sep 6, 2026Active Under Contract$4,075,000
- Jul 31, 2026Active$4,075,000
- Jul 23, 2026Active Under Contract$4,075,000
- Apr 13, 2026Listed$4,075,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
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 $999/sq ft; this home is listed at $1,072/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 418 Ponte Vedra Boulevard, Ponte Vedra Beach, FL 32082Listed by INI REALTY | Sep 2026 | $5,400,000 | $1,926 | 3/3 | 2,804 | 78 | 0.3 |
| 531 Le Master Drive, Ponte Vedra Beach, FL 32082Listed by THE AGENCY AT PONTE VEDRA | Jun 2026 | $3,400,000 | $965 | 3/4 | 3,525 | 34 | 0.3 |
| 571 Ponte Vedra Boulevard, Ponte Vedra Beach, FL 32082Listed by RE/MAX SPECIALISTS PV | Jul 2026 | $10,250,000 | $2,353 | 5/5.5 | 4,357 | 0 | 0.4 |
| 35 Jefferson Avenue, Ponte Vedra Beach, FL 32082Listed by COMPASS FLORIDA LLC | Jun 2026 | $2,600,000 | $688 | 5/4 | 3,779 | 19 | 0.5 |
| 116 Ponte Vedra East Boulevard, Ponte Vedra Beach, FL 32082Listed by TERRA REAL ESTATE, LLC | May 2026 | $1,720,000 | $640 | 3/3 | 2,688 | 6 | 0.5 |
| 346 Pablo Terrace, Ponte Vedra Beach, FL 32082Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS | Sep 2026 | $3,950,000 | $999 | 4/4 | 3,954 | 48 | 0.6 |
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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: PONTE VEDRA CLUB REALTY, INC.
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.
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Krista Fracke
Broker Associate
Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.
Text Krista about this home20+ years · 500+ closings · NE Florida
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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines