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This home is in Coastal Oaks, Ponte Vedra — a gated community home in St. Johns County.

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Active

Active·106 days on market·Coastal Oaks

478 Old Bluff Drive

Ponte Vedra, FL 32081

$1,675,000$399/sqftEst. $8,611/moMLS# 2145598

Beds

Baths

4,200

Sq Ft

2016

Built

Garage

Yes

Pool

About this home

Coastal Oaks

Welcome to your HOME SWEET HOME WITH A VISTA! Located in the exclusive gated community of Coastal Oaks within Nocatee, this impeccably maintained estate offers luxury living with NO CDD fee and breathtaking water-to-preserve views on a sprawling .38-acre homesite Designed with exceptional craftsmanship and over 4,200 square feet of living space, this stunning home features soaring 12-foot ceilings, rich wood floors, exquisite moldings, beautiful custom cabinetry, California Closets, and abundant storage throughout. The chef's kitchen is a dream with KitchenAid appliances, a 6-burner natural gas cooktop, oversized prep areas, and a breakfast nook overlooking the spectacular pool and serene water vista The thoughtfully designed floor plan offers 3 bedrooms and 3.5 baths on the main level, including a private office, elegant formal dining room, and formal living room with fireplace and wine cooler. The spacious great room seamlessly connects to the kitchen, creating the perfect space

Cost to own

Mortgage calculator

Home Price

$1,675,000

Down Payment: 20%

$335,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$8,611

Principal & Interest: $8,611

Property taxes (est.): $2,229

Insurance (est.): $1,117

Estimated Total Monthly

$11,957

*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$8,611

Property taxesest. at asking price, St. Johns County$2,229

HOAbilled quarterly$256

Estimated total, before insurance$11,096/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$11,425/yr · $952/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	$1,330,679	$747,226	—
2024	$1,283,305	$725,460	—
2023	$1,195,641	$702,874	—
2022	$990,886	$680,946	—
2021	$762,037	$659,656	—
2020	$699,858	$649,858	—

2025 property taxes (current owner): $11,425/yr

Estimated taxes if purchased at asking price: ~$26,700/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 2016)

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

Solar potential: ~1,776 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

May 15, 2026Listed$1,675,000

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

Features

Price$1,675,000

Price / Sq Ft$399

Bedrooms4

Bathrooms4.50

Full Baths4

Half Baths1

Square Footage4,200

Acres0.38 acres

Year Built2016

TypeResidential

Sub-TypeSingle Family Residence

StyleOther

StatusActive

# of Garages3

Has PoolYes

Pool FeaturesIn Ground, Salt Water, Screen Enclosure, Waterfall

Is WaterfrontYes

Gated CommunityYes

School Information

ElementaryPine Island Academy

MiddlePine Island Academy

HighAllen D. Nease

Community Information

Address478 Old Bluff Drive, Ponte Vedra, FL 32081

Area272-Nocatee South

SubdivisionCoastal Oaks At Nocatee

CityPonte Vedra

CountySt. Johns

StateFL

Zip Code32081

Lot Size16,552.8 sq ft

Lot Dimensions90x140

Parcel Number0702914120

ZoningResidential

Amenities

AmenitiesPool, Basketball Court, Children's Pool, Clubhouse, Dog Park, Fitness Center, Gated, Jogging Path, Park, Playground, Security, Tennis Court(s)

UtilitiesCable Available, Cable Connected, Electricity Available, Electricity Connected, Natural Gas Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

ViewLake, Protected Preserve

Waterfront TypeLake Front

Interior

Interior FeaturesBreakfast Bar, Built-in Features, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Jack and Jill Bath, Kitchen Island, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)

AppliancesConvection Oven, Dishwasher, Disposal, Dryer, Gas Cooktop, Gas Water Heater, Microwave, Plumbed For Ice Maker, Refrigerator, Tankless Water Heater, Washer, Water Softener Owned, Wine Cooler

HeatingElectric, Heat Pump

CoolingCentral Air, Electric

FlooringCarpet, Tile, Wood

FireplaceYes

# of Fireplaces1

Fireplace FeaturesGas

# of Stories2

LevelsOne and One Half