This home is in Ponte Vedra.

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Active·71 days on market

104 Oak View Circle

Ponte Vedra, FL 32082

$810,000$368/sqftEst. $4,311/moMLS# 2143607

Beds

Baths

2,203

Sq Ft

1994

Built

Garage

Pool

About this home

Ponte Vedra

Welcome to 104 Oak View Circle, a beautifully updated 4-bedroom, 3-bath home offering 2,203 square feet of timeless coastal elegance in the heart of Ponte Vedra Beach. Nestled within a quiet, secluded enclave of homes, this residence blends refined finishes with a relaxed, beach-inspired lifestyle. Inside, you'll find tasteful, modern updates throughout, including a stunning kitchen with shaker-style cabinetry and an inviting open layout that flows seamlessly into the vaulted living room. A formal living room or office and a separate dining space provide flexibility for both everyday living and entertaining. The split-bedroom floor plan ensures privacy, with the fourth bedroom and third full bath located upstairs--perfect for guests or a private retreat. The primary suite is a true sanctuary, featuring a beautifully renovated bathroom with Carrera marble, a freestanding soaking tub, and elegant, spa-like finishes. A passthrough electric fireplace adds warmth and ambiance, connecting

Cost to own

Mortgage calculator

Home Price

$810,000

Down Payment: 20%

$162,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$4,117

Principal & Interest: $4,117

Est. Taxes & Insurance: $1,029

Estimated Total Monthly

$5,146

*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 · 7.0% · 30yr$4,311

Property taxesest. at asking price, St. Johns County$1,078

HOAbilled quarterly$100

Estimated total, before insurance$5,489/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	$657,818	$657,818	—
2024	$617,201	$617,201	—
2023	$622,969	$622,969	—
2022	$603,637	$603,637	—
2021	$355,722	$304,109	—
2020	$359,169	$299,220	—

2025 property taxes (current owner): $9,194/yr

Estimated taxes if purchased at asking price: ~$12,900/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 (shaded) — moderate flood risk (0.2% annual chance)

Flood insurance is optional but often inexpensive here — worth pricing.

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: material not specified — year not disclosed (home built 1994)

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: ~1,335 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

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