This home is in Coastal Oaks, Ponte Vedra.

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Active

Active·103 days on market·Coastal Oaks

189 Bonita Vista Drive

Ponte Vedra, FL 32081

$1,015,000$311/sqftEst. $5,159/moMLS# 2139038

Beds

Baths

3,261

Sq Ft

2017

Built

Garage

Pool

About this home

Coastal Oaks

Experience tranquil lakefront living in one of Coastal Oaks' most sought after floor plans! This popular Toll Brothers Anastasia offers thoughtfully designed space perfectly suited for everyday living and effortless entertaining, the home has been meticulously upgraded for peace of mind and modern luxury. The gourmet kitchen serves as the heart of the home, complete with a large island, reverse-osmosis drinking water system, extensive cabinetry, walk-in pantry, butler's pantry, and seamless flow to the spacious great room and dining areas. The private primary suite is a true retreat, boasting dual walk-in closets, plantation shutters, and a spa-like bath with separate vanities, soaking tub, and walk-in shower. Versatile additional spaces-including an upstairs loft with bedroom and bath, a custom made sliding door to make downstairs bedrooms and bonus room private - ideal options for guests, a home office, and multi-generational living.

Cost to own

Mortgage calculator

Home Price

$1,015,000

Down Payment: 20%

$203,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$5,159

Principal & Interest: $5,159

Property taxes (est.): $1,351

Insurance (est.): $677

Estimated Total Monthly

$7,186

*30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, 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 · 6.55% · 30yr$5,159

Property taxesest. at asking price, St. Johns County$1,351

HOAbilled quarterly$255

Estimated total, before insurance$6,765/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	$827,576	$827,576	—
2024	$860,738	$474,921	—
2023	$905,383	$459,632	—
2022	$757,750	$444,788	—
2021	$506,234	$430,377	—
2020	$494,312	$423,745	—

2025 property taxes (current owner): $14,296/yr

Estimated taxes if purchased at asking price: ~$16,200/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.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: Shingle — year not disclosed (home built 2017)

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

Solar potential: ~1,801 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

Jul 18, 2026Price change$1,015,000−$15,000
Jul 9, 2026Price change$1,030,000−$30,000
Apr 8, 2026Listed$1,060,000

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

Features

Price$1,015,000

Price / Sq Ft$311

Bedrooms4

Bathrooms4.00

Full Baths4

Square Footage3,261

Acres0.25 acres

Year Built2017

TypeResidential

Sub-TypeSingle Family Residence

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontYes

Gated CommunityYes

School Information

ElementaryPine Island Academy

MiddlePine Island Academy

HighAllen D. Nease

Community Information

Address189 Bonita Vista Drive, Ponte Vedra, FL 32081

Area272-Nocatee South

SubdivisionCoastal Oaks At Nocatee

CityPonte Vedra

CountySt. Johns

StateFL

Zip Code32081

Lot Size10,890 sq ft

Parcel Number0702916380

ZoningResidential

Amenities

AmenitiesPool, Basketball Court, Clubhouse, Dog Park, Fitness Center, Gated, Jogging Path, Park, Playground, Tennis Court(s)

UtilitiesCable Available, Electricity Connected, Natural Gas Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage

ViewPond

Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Butler Pantry, Kitchen Island, Open Floorplan, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Gas Cooktop, Microwave, Refrigerator, Wine Cooler

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile, Wood

# of Stories2

LaundryElectric Dryer Hookup, Gas Dryer Hookup, In Unit, Lower Level, Washer Hookup

SecurityGated with Guard, Smoke Detector(s)