This home is in Sawmill Lakes, Ponte Vedra Beach.
Active Under Contract·61 days on market·Sawmill Lakes
317 S Mill View Way
Ponte Vedra Beach, FL 32082
About this home
Sawmill Lakes
SELLERS OFFERING $10,000 CREDIT W/ACCEPTABLE OFFER! Located in the sought-after Sawmill Lakes community of PV Beach, this beautifully updated pool home features an open-concept floor plan with soaring ceilings, abundant natural light, designer shiplap accents, and a remodeled fireplace. The chef's kitchen offers a large peninsula, gas range, under-cabinet lighting, and stainless steel appliances. The first-floor primary suite includes direct pool access, dual custom walk-in closets, and a spa-inspired renovated bath. Enjoy Florida living year-round with a screened, heated pool and in-ground spa overlooking peaceful preserve views. Sawmill Lakes offers a community pool, sports fields, and pickleball courts, and is just minutes from the beach, TPC Sawgrass, shopping, dining, and the top-rated St. Johns County School District! Roof 2019, HVAC 2019, Water Heater 2024
Cost to own
Mortgage calculator
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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 | $754,778 | $690,450 | — |
| 2024 | $720,284 | $670,284 | — |
| 2023 | $715,092 | $665,092 | — |
| 2022 | $624,828 | $529,726 | — |
| 2021 | $481,569 | $481,569 | — |
| 2020 | $476,121 | $476,121 | — |
2025 property taxes (current owner): $9,795/yr
Estimated taxes if purchased at asking price: ~$17,500/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 AE — high-risk flood zone (Special Flood Hazard Area)
Lenders require flood insurance for financed purchases here.
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 — 2019 per the listing
A recent roof is the single biggest lever on Florida homeowners-insurance pricing.
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: ~1,616 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 homeInformational 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$1,094,900
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
The neighborhood
About Sawmill Lakes
Sawmill Lakes is a neighborhood in Ponte Vedra Beach, FL (St. Johns County), ZIP 32082.
View all Sawmill Lakes homes for sale →Listing Courtesy of: COLDWELL BANKER VANGUARD REALTY
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Krista Fracke
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