This home is in Sawgrass, Ponte Vedra Beach.
Active·82 days on market·Sawgrass
45 Lake Julia Drive S
Ponte Vedra Beach, FL 32082
About this home
Sawgrass
PRICED TO SELL!!! Welcome to easy, low-maintenance living in Sawgrass Country Club. This exceptional 3-bedroom, 3-bath Harbor Villa townhome blends comfort & modern living, featuring a private screened pool w/ peaceful golf course view, a rare offering in this sought-after community. Thoughtful 2026 updates include a brand-NEW ROOF, NEW water heater, & stylish light fixtures, adding both value & peace of mind. The kitchen w/ custom maple cabinetry flows effortlessly into open dining and living spaces, all oriented toward the outdoor setting. The main-level bedroom provides flexibility for guests or a home office, while upstairs, the primary suite & an additional bedroom create a private retreat. An oversized 2-car garage, charming courtyard entry, and durable Hardie board siding (2019) add to the home's appeal. Just a short stroll to community amenities & beach access, this exclusive enclave also allows short-term rentals with no rental restrictions! HOA covers lawn care & irrigation
Cost to own
Mortgage calculator
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, 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
Last sold: $710,000 in September 2023(county public record, not MLS data)
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $692,105 | $692,105 | — |
| 2024 | $654,031 | $654,031 | — |
| 2023 | $677,471 | $514,872 | — |
| 2022 | $607,666 | $468,065 | — |
| 2021 | $425,514 | $425,514 | — |
| 2020 | $423,804 | $423,406 | — |
2025 property taxes (current owner): $9,656/yr
Estimated taxes if purchased at asking price: ~$13,300/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: Shingle — year not disclosed (home built 1974)
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: ~1,758 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 homeInformational 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
- Jul 14, 2026Price change$830,000−$15,000
- Apr 25, 2026Listed$845,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
The neighborhood
About Sawgrass
Sawgrass is a neighborhood in Ponte Vedra Beach, FL (St. Johns County), ZIP 32082.
View all Sawgrass homes for sale →Listing Courtesy of: PONTE VEDRA CLUB REALTY, INC.
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Your Local Expert
Krista Fracke
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