This home is in Sawmill Lakes, Ponte Vedra Beach — a home near Ponte Vedra High School.
Sold·Closed Jul 10, 2026·48 days on market·Recent sales in Sawmill Lakes·Sawmill Lakes
621 Lake Stone Circle
Ponte Vedra Beach, FL 32082
8 more homes for sale in Sawmill Lakes →Search Sawmill Lakes on the map
About this home
Sawmill Lakes
Move in ready, fully remodeled house in Sawmill Lakes neighborhood. Very quiet backyard with a nice lake view. Walking distance to the community pool, playground and pickleball courts. 5 minutes ride to the beach.
Next steps in Sawmill Lakes
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, 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 (that applies to the reference bill above too).
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
Storms & insurance
Florida Reality Check
The storm-and-insurance facts every Florida buyer should know up front.
Flood zone not yet determined
Check the exact parcel at msc.fema.gov or ask Krista to pull it.
Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.
Evacuation zone not yet determined
Check floridadisaster.org/knowyourzone.
Roof: Shingle — year not disclosed (home built 1998)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,732 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 homeThis 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.
Sun & Light
West-facing backyard — the sunset lot
The listing reports the home facing east, which puts the backyard on the west side. Today at this address: sunrise 7:25 AM, sunset 6:59 PM.
- Sunsets happen over your own backyard — and in summer the rear takes the full afternoon sun, so the lanai runs hottest of any orientation from about 3pm on.
- A pool back here is the warmest in town and glitters in the evening; expect afternoon glare on west-facing glass and real value in lanai screening or shade trees.
- Morning coffee happens in shade; the front of the home takes the sunrise.
Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $481,536 | $188,082 | — |
| 2024 | $446,155 | $186,933 | — |
| 2023 | $450,030 | $180,032 | — |
| 2022 | $400,658 | $173,332 | — |
| 2021 | $307,707 | $166,827 | — |
| 2020 | $266,887 | $163,833 | — |
2025 property taxes (current owner): $3,029/yr
Estimated taxes if purchased at asking price: ~$11,100/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.
History
Price & status history
- Jul 10, 2026Closed$689,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Closed sales
What sold nearby
Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $365/sq ft; this home is listed at $415/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 664 Lake Stone Circle, Ponte Vedra, FL 32082Listed by ATLANTIC SHORES REALTY OF JACKSONVILLE LLC | Apr 2026 | $599,000 | $373 | 3/2 | 1,608 | 6 | 0.1 |
| 505 Cane Mill Court, Ponte Vedra Beach, FL 32082Listed by HERRON REAL ESTATE LLC | Aug 2026 | $725,000 | $365 | 3/2 | 1,985 | 19 | 0.9 |
| 485 Big Tree Road, Ponte Vedra Beach, FL 32082Listed by PONTE VEDRA CLUB REALTY, INC. | Jun 2026 | $752,500 | $362 | 3/2 | 2,076 | 27 | 0.9 |
| 252 Seamist Court, Ponte Vedra Beach, FL 32082Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY | Feb 2026 | $670,000 | $334 | 3/2 | 2,006 | 9 | 1.1 |
| 144 Crosstide Circle, Ponte Vedra Beach, FL 32082Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS | Sep 2026 | $720,000 | $366 | 3/2 | 1,969 | 2 | 1.2 |
| 120 Summer Tree Court, Ponte Vedra Beach, FL 32082Listed by THE TERRA ALTA GROUP LLC | Jun 2026 | $600,000 | $312 | 3/2 | 1,923 | 107 | 1.3 |
Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: OCEAN KULTURE REALTY LLC
Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.
The neighborhood
About Sawmill Lakes
Sawmill Lakes is a neighborhood in Ponte Vedra Beach, FL (St. Johns County), ZIP 32082.
View all Sawmill Lakes homes for sale →Keep looking
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Jul 10, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.
Text Krista about this saleHomes for sale nearby →20+ years · 500+ closings · NE Florida
Curious what nearby homes sold for?
MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines