Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in Sawgrass, Ponte Vedra Beach — a gated community home in Ponte Vedra Beach.

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Active Under Contract

Active Under Contract·2 days on market·Sawgrass

31 Lake Julia Drive S

Ponte Vedra Beach, FL 32082

$1,295,000$396/sqftEst. $6,658/moMLS# 2147151

Beds

Baths

3,268

Sq Ft

1979

Built

Garage

Yes

Pool

About this home

Sawgrass

A spectacular WOW home, 3200 sq. ft. on one floor with no steps. Located on 1 West Fairway, there are expansive views of the golf course beyond the in ground swimming pool. Major renovations include a recent roof, two AC units, Simonton Sliding Doors, tumbled marble floor and a expansive kitchen with a 8' X 4'' marble island. House was replumbed. Wood burning firepace with a new flue and chimney cap. Entry is through a covered walkway with a waterfall pond at the front entrance.

Cost to own

Mortgage calculator

Home Price

$1,295,000

Down Payment: 20%

$259,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$6,658

Principal & Interest: $6,658

Property taxes (est.): $1,723

Insurance (est.): $863

Estimated Total Monthly

$9,244

*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$6,658

Property taxesest. at asking price, St. Johns County$1,723

HOAbilled annually$208

Estimated total, before insurance$8,589/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$18,381/yr · $1,532/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	$1,339,963	$1,339,963	▼ $76,012
2024	$1,159,215	$199,166	—
2023	$1,171,222	$192,564	—
2022	$1,092,379	$372,309	—
2021	$832,973	$359,863	—
2020	$829,640	$354,135	—

2025 property taxes (current owner): $18,381/yr

Estimated taxes if purchased at asking price: ~$20,700/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.

Hurricane evacuation zone A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: Shingle — year not disclosed (home built 1979)

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: ~1,746 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 28, 2026Active Under Contract$1,295,000
Aug 28, 2026Pending$1,295,000
Aug 10, 2026Active Under Contract$1,295,000
Aug 8, 2026Pending$1,295,000
May 26, 2026Listed$1,295,000

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

Features

Price$1,295,000

Price / Sq Ft$396

Bedrooms3

Bathrooms3.00

Full Baths3

Square Footage3,268

Total Structure Area3,268 sq ft

Acres0.25 acres

Year Built1979

TypeResidential

Sub-TypeSingle Family Residence

StylePatio Home

Property ConditionUpdated/Remodeled

StatusActive Under Contract

# of Garages2

Has PoolYes

Pool FeaturesIn Ground

Is WaterfrontNo

Gated CommunityYes

Direction FacesEast

School Information

ElementaryPonte Vedra Rawlings

MiddleAlice B. Landrum

HighPonte Vedra

Community Information

Address31 Lake Julia Drive S, Ponte Vedra Beach, FL 32082

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

SubdivisionSawgrass Country Club

CityPonte Vedra Beach

CountySt. Johns

StateFL

Zip Code32082

Lot Size10,890 sq ft

Parcel Number0662400120

ZoningResidential

Amenities

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

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

ViewGolf Course

Interior

Interior FeaturesButler Pantry, Ceiling Fan(s), Entrance Foyer, Guest Suite, His and Hers Closets, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Disposal, Double Oven, Dryer, Electric Oven, Electric Water Heater, Gas Cooktop, Ice Maker, Microwave, Tankless Water Heater, Washer

HeatingCentral, Electric, Heat Pump

CoolingCentral Air, Electric, Multi Units, Zoned

FlooringMarble, Stone

FireplaceYes

# of Fireplaces1

Fireplace FeaturesWood Burning

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Sink, Washer Hookup

Window FeaturesSkylight(s)

SecurityGated with Guard, Security Gate, Smoke Detector(s)