This home is in Oceans Edge, Ponte Vedra Beach.

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Active

Active·68 days on market·Oceans Edge

108 Oceans Edge Drive

Ponte Vedra Beach, FL 32082

$998,500$417/sqftEst. $5,314/moMLS# 2143641

Beds

Baths

2,394

Sq Ft

1998

Built

Garage

Yes

Pool

About this home

Oceans Edge

Welcome to your backyard paradise, complete with a heated saltwater pool and covered lanai, perfect for entertaining year-round. Just in time for Summer! This well designed home has 3 bedrooms and an office/den on main floor and an oversized 4th bedroom ensuite with a private balcony upstairs. Other outstanding features of this home are the beautiful wood floors in the main living areas, an updated kitchen with quartz countertops and newer appliances, a lovely formal dining room with custom built-in shelving, and a convenient Laundry Room downstairs next to the kitchen. Ocean's Edge is a sought-after gated community located less than a mile to the beach and surrounded by protected preserve. Convenient to shopping, restaurants and evening beach walks! Don't miss the chance to live where every day feels like a vacation!

Cost to own

Mortgage calculator

Home Price

$998,500

Down Payment: 20%

$199,700

Interest Rate: 6.49%

Loan Term

Monthly Payment

$5,044

Principal & Interest: $5,044

Est. Taxes & Insurance: $1,261

Estimated Total Monthly

$6,305

*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$5,314

Property taxesest. at asking price, St. Johns County$1,329

HOAbilled quarterly$139

Estimated total, before insurance$6,782/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

Last sold: $896,000 in May 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$768,971	$705,382	—
2024	$734,795	$684,795	—
2023	$634,523	$399,630	—
2022	$618,487	$386,534	—
2021	$480,822	$373,819	—
2020	$459,960	$367,967	—

2025 property taxes (current owner): $9,996/yr

Estimated taxes if purchased at asking price: ~$15,900/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 — 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 1998)

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: ~1,659 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