This home is in Coastal Oaks, Ponte Vedra.

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Active Under Contract

Active Under Contract·45 days on market·Coastal Oaks

193 Palm Island Way

Ponte Vedra, FL 32081

$959,900$291/sqftEst. $4,879/moMLS# 2142438

Beds

Baths

3,298

Sq Ft

2017

Built

Garage

Pool

About this home

Coastal Oaks

Welcome to Coastal Oaks Nocatee, one of Ponte Vedra's most sought-after guard-gated communities where luxury, and privacy, and lifestyle come together. Perfectly positioned on a premium lake-to-preserve lot, this meticulously maintained Toll Brothers Anastasia floor plan offers peaceful water views, natural privacy, and a truly move-in ready experience. This 4-bedroom, 3-bath home with office, bonus room, and 3-car garage is designed for both everyday living and entertaining, with a functional open floor plan and no wasted space. The layout includes a formal dining room, a versatile downstairs flex space (ideal for a playroom or gym) office, and a private upstairs guest suite complete with full bath, walk-in closet, and spacious bonus room--perfect for a media room, game room, or a second living area. A walk in attic adds valuable storage rarely found in homes today. At the center of the home is a beautifully appointed gourmet kitchen, featuring: Quartz countertops and a stylish

Cost to own

Mortgage calculator

Home Price

$959,900

Down Payment: 20%

$191,980

Interest Rate: 6.55%

Loan Term

Monthly Payment

$4,879

Principal & Interest: $4,879

Est. Taxes & Insurance: $1,220

Estimated Total Monthly

$6,099

*Estimates based on 30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, Freddie Mac PMMS via FRED). Actual payments 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$4,879

Property taxesest. at asking price, St. Johns County$1,277

HOAbilled quarterly$255

Estimated total, before insurance$6,412/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	$835,612	$512,418	—
2024	$860,212	$497,269	—
2023	$904,821	$481,329	—
2022	$755,693	$465,853	—
2021	$505,611	$450,828	—
2020	$493,913	$443,913	—

2025 property taxes (current owner): $7,397/yr

Estimated taxes if purchased at asking price: ~$15,300/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.

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.

Sewer & public water · JEA

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: ~1,764 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

Jun 4, 2026Listed$959,900

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

Features

Price$959,900

Price / Sq Ft$291

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage3,298

Acres0.24 acres

Year Built2017

TypeResidential

Sub-TypeSingle Family Residence

StyleOther

StatusActive Under Contract

# of Garages3

Has PoolNo

Is WaterfrontYes

Gated CommunityYes

School Information

ElementaryPine Island Academy

MiddlePine Island Academy

HighAllen D. Nease

Community Information

Address193 Palm Island Way, Ponte Vedra, FL 32081

Area272-Nocatee South

SubdivisionCoastal Oaks At Nocatee

CityPonte Vedra

CountySt. Johns

StateFL

Zip Code32081

Lot Size10,454.4 sq ft

Lot Dimensions63.26x151x76.84x151

Parcel Number0702915640

ZoningResidential

Amenities

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

UtilitiesCable Connected, Electricity Connected, Natural Gas Connected, Sewer Connected

Water SourcePublic

ParkingAttached, Garage

ViewLake, Pond, Protected Preserve

Waterfront TypeLake Front, Pond

Interior

Interior FeaturesBreakfast Nook, Built-in Features, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, His and Hers Closets, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs

AppliancesDishwasher, Disposal, Double Oven, Dryer, Electric Cooktop, Electric Oven, Gas Water Heater, Microwave, Refrigerator, Tankless Water Heater, Water Softener Owned

HeatingCentral, Electric, Heat Pump

CoolingCentral Air, Electric, Multi Units

FlooringCarpet, Tile

FireplaceYes

# of Fireplaces1

Fireplace FeaturesElectric

# of Stories2

LevelsOne and One Half

LaundryElectric Dryer Hookup, In Unit, Sink

SecurityCarbon Monoxide Detector(s), Security Gate, Smoke Detector(s)