This home is in Marsh Cove, Ponte Vedra Beach.

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Active Under Contract

Active Under Contract·45 days on market·Marsh Cove

605 Marsh Cove Lane

Ponte Vedra Beach, FL 32082

$275,000$225/sqftEst. $1,402/moMLS# 2141645

Beds

Baths

1,220

Sq Ft

1985

Built

—

Garage

Pool

About this home

Marsh Cove

Welcome to Ponte Vedra Beach! This is a charming and well-maintained 2-bedroom, 2.5-bath home located in a desirable coastal community. The inviting residence features a bright, open floor plan with abundant natural light, creating a warm and welcoming atmosphere for both everyday living and entertaining. The kitchen offers ample cabinetry and a functional layout that flows seamlessly into the living and dining areas. Upstairs, the spacious primary suite provides a private retreat with an ensuite bath and generous closet space. Enjoy outdoor relaxation with peaceful surroundings, ideal for morning coffee or unwinding in the evening. Residents have access to fantastic community amenities including a clubhouse, pool, and tennis courts. If buyer chooses First Coast Mortgage Funding, Melanie Lamb, for their financing, buyer will receive a credit of $500.00 toward closing costs and prepaids.

Cost to own

Mortgage calculator

Home Price

$275,000

Down Payment: 20%

$55,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,402

Principal & Interest: $1,402

Property taxes (est.): $366

Insurance (est.): $183

Estimated Total Monthly

$1,951

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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 · 6.58% · 30yr$1,402

Property taxesest. at asking price, St. Johns County$366

HOAbilled monthly$400

Estimated total, before insurance$2,168/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	$231,000	$135,930	—
2024	$258,540	$131,392	—
2023	$258,540	$126,109	—
2022	$190,000	$120,980	—
2021	$166,000	$116,000	—
2020	$134,000	$134,000	—

Estimated taxes if purchased at asking price: ~$4,400/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 B

Zone B evacuates after zone A in an approaching storm.

Roof: Shingle — year not disclosed (home built 1985)

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

Sewer · St Johns County Utilities - accounts · Public water · St Johns County Utilities - water accounts

County records show this parcel on central sewer served by St Johns County Utilities - accounts — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,704 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