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This home is in Ponte Vedra Beach — a home near Ponte Vedra High School.

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Active

Active·41 days on market

309 N Sea Lake Lane

Ponte Vedra Beach, FL 32082

$1,995,000$459/sqftEst. $10,256/moMLS# 2144348

Beds

Baths

4,345

Sq Ft

2002

Built

Garage

Yes

Pool

About this home

Ponte Vedra Beach

OPEN HOUSE Saturday September 5th 12:00-2:00. One of the best values at the beach! Located East of A1A and just a short walk or bike ride to the ocean, this exceptional 6-bedroom, 4.5-bath home offers one of the premier homesites in the neighborhood as it's perfectly positioned with a peaceful park setting out front & a private wooded preserve backdrop beyond the pool. AND it's just a short walk or bike ride to the beach. This home is value packed combining generous living spaces & an unbeatable location, truly a rare opportunity in the heart of Ponte Vedra Beach. Thoughtfully designed floor plan with a spacious ground-floor primary suite, dedicated office, & expansive living areas. Upstairs, you'll find 5 additional bedrooms, 3 full baths, & a large secondary gathering space or a media/playroom setup. Hardwood floors throughout. Step out to your private backyard retreat with screened lanai, sparkling pool, & spa all surrounded by a lush preserve that creates a true sense of privacy

Cost to own

Mortgage calculator

Home Price

$1,995,000

Down Payment: 20%

$399,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$10,256

Principal & Interest: $10,256

Property taxes (est.): $2,655

Insurance (est.): $1,330

Estimated Total Monthly

$14,241

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, Freddie Mac PMMS via FRED). Taxes use the county effective rate; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs 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 · 6.66% · 30yr$10,256

Property taxesest. at asking price, St. Johns County$2,655

HOAbilled annually$83

Estimated total, before insurance$12,993/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$14,122/yr · $1,177/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, 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).

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$1,521,006	$1,011,729	—
2024	$1,437,743	$982,508	—
2023	$1,420,018	$952,435	—
2022	$1,233,214	$923,238	—
2021	$978,091	$894,891	—
2020	$941,085	$881,845	—

2025 property taxes (current owner): $14,122/yr

Estimated taxes if purchased at asking price: ~$31,900/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 2002)

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

Sewer · JEA · Public water · JEA_Premises point dataset with CCB_DESC like Water

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: ~1,686 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

Aug 27, 2026Price change$1,995,000−$150,000
Jul 21, 2026Price change$2,145,000−$50,000
May 8, 2026Listed$2,195,000

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

Features

Price$1,995,000

Price / Sq Ft$459

Bedrooms6

Bathrooms4.50

Full Baths4

Half Baths1

Square Footage4,345

Acres0.23 acres

Year Built2002

TypeResidential

Sub-TypeSingle Family Residence

StatusActive

# of Garages3

Has PoolYes

Pool FeaturesIn Ground

Is WaterfrontNo

Direction FacesEast

School Information

ElementaryPonte Vedra Rawlings

MiddleAlice B. Landrum

HighPonte Vedra

Community Information

Address309 N Sea Lake Lane, Ponte Vedra Beach, FL 32082

Area261-Ponte Vedra Bch-S Of Corona-E Of A1E/Lake Pv

SubdivisionPonte Vedra By The Sea Estates

CityPonte Vedra Beach

CountySt. Johns

StateFL

Zip Code32082

Lot Size10,018.8 sq ft

Parcel Number0621410160

Amenities

AmenitiesPark

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Off Street

ViewTrees/Woods

Interior

Interior FeaturesCeiling Fan(s), Entrance Foyer, His and Hers Closets, Jack and Jill Bath, Kitchen Island, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Walk-In Closet(s)

AppliancesDisposal, Electric Cooktop, Electric Oven, Microwave, Refrigerator

HeatingCentral

CoolingCentral Air

FlooringWood

FireplaceYes

# of Fireplaces1

# of Stories2

LaundryIn Unit, Lower Level

Spa FeaturesIn Ground