This home is in Coastal Oaks, Ponte Vedra.

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Active Under Contract

Active Under Contract·61 days on market·Coastal Oaks

243 Old Bluff Drive

Ponte Vedra, FL 32081

$1,325,000$394/sqftEst. $7,052/moMLS# 2143251

Beds

Baths

3,362

Sq Ft

2019

Built

Garage

Yes

Pool

About this home

Coastal Oaks

Single story pool living & a great split floorplan in gated Coastal Oaks! Notice the hand selected lighting! Soaring 12' ceilings add depth & character. See all the extras: two step crown molding, wainscoting, custom ceiling beams & more! The great room is so open & features a gas fireplace with gorgeous surround. The kitchen is spacious with island storage, plus seating for days! Love the wine fridge & under cabinet lighting! The screened lanai has a solar heated pool & summer kitchen for year-round fun, PLUS putting green! The primary suite is stunning with a tray ceiling & bay window seating, overlooking the preserve. An expansive, custom closest with wood work leads you to the inspired primary bath, complete with herringbone tile & super shower. A front office allows for flexibility. The remaining bedrooms are split, one with a murphy bed. The others are incredibly roomy & share a Jack & Jill bath, & have great wall designs! Plus, solar panel & battery! Check it out & fall in love

Cost to own

Mortgage calculator

Home Price

$1,325,000

Down Payment: 20%

$265,000

Interest Rate: 6.49%

Loan Term

Monthly Payment

$6,693

Principal & Interest: $6,693

Est. Taxes & Insurance: $1,673

Estimated Total Monthly

$8,366

*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, 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 · 7.0% · 30yr$7,052

Property taxesest. at asking price, St. Johns County$1,763

HOAbilled quarterly$255

Estimated total, before insurance$9,071/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	$1,150,449	$1,099,727	—
2024	$1,126,600	$881,009	—
2023	$1,041,314	$800,917	—
2022	$840,065	$728,106	—
2021	$656,251	$656,251	—
2020	$601,927	$601,927	—

Estimated taxes if purchased at asking price: ~$21,200/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 2019)

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

Solar potential: ~1,731 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

Informational 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

May 15, 2026Listed$1,325,000

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

Features

Price$1,325,000

Price / Sq Ft$394

Bedrooms4

Bathrooms3.50

Full Baths3

Half Baths1

Square Footage3,362

Acres0.27 acres

Year Built2019

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch

Property ConditionUpdated/Remodeled

StatusActive Under Contract

# of Garages3

Has PoolYes

Pool FeaturesIn Ground, Heated, Pool Sweep, Salt Water, Screen Enclosure

Is WaterfrontNo

Gated CommunityYes

School Information

ElementaryPine Island Academy

MiddlePine Island Academy

HighAllen D. Nease

Community Information

Address243 Old Bluff Drive, Ponte Vedra, FL 32081

Area272-Nocatee South

SubdivisionCoastal Oaks At Nocatee

CityPonte Vedra

CountySt. Johns

StateFL

Zip Code32081

Lot Size11,761.2 sq ft

Parcel Number0702914670

Amenities

AmenitiesPool, Basketball Court, Children's Pool, Clubhouse, Dog Park, Fitness Center, Jogging Path, Management - Full Time, Management- On Site, Park, Pickleball, Playground, Tennis Court(s)

UtilitiesElectricity Connected, Natural Gas Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingElectric Vehicle Charging Station(s), Garage

ViewProtected Preserve, Trees/Woods

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Jack and Jill Bath, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)

AppliancesConvection Oven, Dishwasher, Disposal, Dryer, Gas Range, Gas Water Heater, Microwave, Refrigerator, Tankless Water Heater, Washer, Wine Cooler

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile

FireplaceYes

# of Fireplaces1

Fireplace FeaturesGas

# of Stories1

LaundryIn Unit