This home is in Ponte Vedra Beach.

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Active

Active·95 days on market

521 Rutile Drive

Ponte Vedra Beach, FL 32082

$4,075,000$1072/sqftEst. $21,689/moMLS# 2138874

Beds

Baths

3,800

Sq Ft

1973

Built

Garage

Yes

Pool

About this home

Ponte Vedra Beach

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, and a dedicated coffee station. The adjoining dining and

Cost to own

Mortgage calculator

Home Price

$4,075,000

Down Payment: 20%

$815,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$20,713

Principal & Interest: $20,713

Est. Taxes & Insurance: $5,178

Estimated Total Monthly

$25,891

*Estimates based on 30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, 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$21,689

Property taxesest. at asking price, St. Johns County$5,422

Estimated total, before insurance$27,111/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

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.

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 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 13, 2026Listed$4,075,000

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

Features

Price$4,075,000

Price / Sq Ft$1,072

Bedrooms5

Bathrooms5.00

Full Baths4

Half Baths2

Square Footage3,800

Acres0.47 acres

Year Built1973

TypeResidential

Sub-TypeSingle Family Residence

StyleCottage, Traditional

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolYes

Pool FeaturesIn Ground, Fenced, Heated, Salt Water

Is WaterfrontYes

School Information

ElementaryPonte Vedra Rawlings

MiddleAlice B. Landrum

HighPonte Vedra

Community Information

Address521 Rutile Drive, Ponte Vedra Beach, FL 32082

Area251-Ponte Vedra Beach-E Of A1A-N Of Corona Rd

SubdivisionPonte Vedra

CityPonte Vedra Beach

CountySt. Johns

StateFL

Zip Code32082

Lot Size20,473.2 sq ft

Parcel Number0565700000

ZoningResidential

Amenities

UtilitiesElectricity Available, Sewer Available, Water Available

SewerPublic Sewer

Water SourcePublic

ParkingOther, Attached, Circular Driveway, Garage, Garage Door Opener

ViewWater

Waterfront TypeLagoon

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s), Other

AppliancesDishwasher, Disposal, Electric Water Heater, Gas Range, Microwave, Refrigerator, Water Softener Owned, Wine Cooler

HeatingCentral, Heat Pump

CoolingCentral Air

FlooringTile, Wood

FireplaceYes

# of Fireplaces2

Fireplace FeaturesGas

# of Stories2

LevelsTwo

LaundryLower Level

Window FeaturesSkylight(s)

SecuritySmoke Detector(s)