This home is in Sawgrass, Ponte Vedra Beach.

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Pending

Pending·55 days on market·Sawgrass

128 Nandina Circle

Ponte Vedra Beach, FL 32082

$1,350,000$531/sqftEst. $7,185/moMLS# 2145951

Beds

Baths

2,540

Sq Ft

1982

Built

Garage

Pool

About this home

Sawgrass

Welcome to the peaceful enclave of Water Oak in TPC Sawgrass Players Club! This beautifully renovated one-story home blends timeless charm with modern style! Filled with abundant natural light from picture windows & a private courtyard atrium, this inviting floor plan showcases vaulted & beamed ceilings, a cozy fireplace, built-in shelves, stylish accent walls & doors! The renovated kitchen features detailed cabinetry, quartz counters & black stainless steel appliances that flow seamlessly into the spacious living & dining areas. In addition to 3 generously sized bedrooms, the home also offers a versatile office space & butler pantry/laundry room! Enjoy outdoor living on the screened lanai or patio overlooking the expansive & scenic backyard shaded by majestic live oaks! Plenty of room to add a pool or summer kitchen! Community pool, playground & athletic fields, w/optional memberships for golf, tennis & pickleball. St.Johns County schools & minutes to the beach, shops, dining & more!

Cost to own

Mortgage calculator

Home Price

$1,350,000

Down Payment: 20%

$270,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$6,862

Principal & Interest: $6,862

Est. Taxes & Insurance: $1,715

Estimated Total Monthly

$8,577

*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$7,185

Property taxesest. at asking price, St. Johns County$1,796

HOAbilled quarterly$90

Estimated total, before insurance$9,072/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	$824,014	$682,368	—
2024	$758,430	$620,335	—
2023	$731,294	$563,941	—
2022	$706,268	$512,674	—
2021	$466,067	$466,067	—
2020	$467,007	$464,708	—

Estimated taxes if purchased at asking price: ~$21,600/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.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — year not disclosed (home built 1982)

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

Solar potential: ~1,243 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.

Features

Price$1,350,000

Price / Sq Ft$531

Bedrooms3

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage2,540

Acres0.39 acres

Year Built1982

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch

Property ConditionUpdated/Remodeled

StatusPending

# of Garages2

Has PoolNo

Is WaterfrontNo

Gated CommunityYes

School Information

ElementaryPonte Vedra Rawlings

MiddleAlice B. Landrum

HighPonte Vedra

Community Information

Address128 Nandina Circle, Ponte Vedra Beach, FL 32082

Area262-Ponte Vedra Beach-W Of A1A-S Of Solana Rd

SubdivisionSawgrass Players Club

CityPonte Vedra Beach

CountySt. Johns

StateFL

Zip Code32082

Lot Size16,988.4 sq ft

Parcel Number0622850280

ZoningResidential

Amenities

AmenitiesPool, Basketball Court, Gated, Park, Playground

UtilitiesCable Connected, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage

Interior

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

AppliancesConvection Oven, Dishwasher, Disposal, Double Oven, Electric Cooktop, Electric Oven, Electric Water Heater, Ice Maker, Microwave, Refrigerator

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile, Wood

FireplaceYes

# of Fireplaces1

Fireplace FeaturesElectric, Wood Burning

# of Stories1

LaundryElectric Dryer Hookup, Sink, Washer Hookup

SecurityGated with Guard