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 Old Ponte Vedra, Ponte Vedra Beach — a waterfront home in Ponte Vedra Beach.

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Active

Active·142 days on market·Old Ponte Vedra

539 Rutile Drive

Ponte Vedra Beach, FL 32082

$8,990,000$1302/sqftEst. $46,218/moMLS# 2139154

Beds

Baths

6,904

Sq Ft

2027

Built

Garage

Yes

Pool

About this home

Old Ponte Vedra

Welcome to 539 Rutile Drive, an exceptional new construction residence in the heart of old Ponte Vedra Beach. Designed by Dig Architecture and masterfully built by renowned McAneny Builders, this turnkey residence embodies sophisticated luxury at its finest. Encompassing just under 7,000 square feet of exquisitely designed living space, the thoughtfully curated floor plan blends effortless hosting with everyday comfort. A dramatic oversized glass entry door welcomes you into an elegant foyer gallery with direct lagoon views, creating an unforgettable first impression. The heart of the home, the oversized family room, is anchored by a gas masonry fireplace, and is perfectly positioned to capture both sunrise and sunset views. When you are ready to entertain, the foyer and family room open to a striking designer bar that can be discreetly concealed behind doors or fully opened for effortless hosting.

Cost to own

Mortgage calculator

Home Price

$8,990,000

Down Payment: 20%

$1,798,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$46,218

Principal & Interest: $46,218

Property taxes (est.): $11,963

Insurance (est.): $5,993

Estimated Total Monthly

$64,174

*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$46,218

Property taxesest. at asking price, St. Johns County$11,963

Estimated total, before insurance$58,180/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.

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$1,709,360	$1,276,463	—
2024	$1,709,885	$1,160,421	—
2023	$1,685,366	$1,054,928	—
2022	$1,351,945	$959,025	—
2021	$1,005,592	$871,841	—
2020	$980,890	$792,583	—

Estimated taxes if purchased at asking price: ~$143,600/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 A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: Other — year not disclosed (home built 2027)

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: ~1,804 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

Apr 10, 2026Listed$8,990,000

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

Features

Price$8,990,000

Price / Sq Ft$1,302

Bedrooms6

Bathrooms6.50

Full Baths5

Half Baths3

Square Footage6,904

Total Structure Area8,985 sq ft

Year Built2027

TypeResidential

Sub-TypeSingle Family Residence

Property ConditionTo Be Built

StatusActive

# of Garages3

Has PoolYes

Pool FeaturesIn Ground, Heated

Is WaterfrontYes

New ConstructionYes

School Information

ElementaryPonte Vedra Rawlings

MiddleAlice B. Landrum

HighPonte Vedra

Community Information

Address539 Rutile Drive, Ponte Vedra Beach, FL 32082

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

SubdivisionOld Ponte Vedra Bch

CityPonte Vedra Beach

CountySt. Johns

StateFL

Zip Code32082

Parcel Number0568160090

Amenities

UtilitiesOther

SewerPublic Sewer

Water SourcePublic

ParkingAdditional Parking, Garage

ViewCanal

Waterfront TypeCanal Front

Interior

Interior FeaturesBreakfast Bar, Built-in Features, Butler Pantry, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Smart Thermostat, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s), Wet Bar

AppliancesDishwasher, Disposal, Double Oven, Gas Range, Gas Water Heater, Ice Maker, Microwave, Refrigerator, Tankless Water Heater, Wine Cooler

HeatingCentral, Electric

CoolingCentral Air, Electric, Multi Units

FlooringTile, Wood

FireplaceYes

# of Fireplaces2

Fireplace FeaturesGas, Wood Burning

# of Stories2

LevelsTwo