This home is in Odoms Mill, Ponte Vedra Beach.

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Active·47 days on market·Odoms Mill

848 Mill Stream Road

Ponte Vedra Beach, FL 32082

$899,000$297/sqftEst. $4,785/moMLS# 2147216

Beds

Baths

3,031

Sq Ft

1999

Built

Garage

Pool

About this home

Odoms Mill

OPENN HOUSE SUNDAY 6/7/26 11-2PM Spacious and open 5 bedroom and 4 bath home in Odom's Mill. Walk to elementary or middle school from this well designed home. Situated on an extremely private lot with no homes across the street, come enjoy the amenities of Odom's Mill. Community pool, tennis, basketball courts await. Tile throughout most of the home with open kitchen, separate laundry room and bonus bedroom and full bath upstairs, give you and your family their own spaces. 5th bedroom is a den with glass french doors. Come enjoy Ponte Vedra Bch lifestyle

Cost to own

Mortgage calculator

Home Price

$899,000

Down Payment: 20%

$179,800

Interest Rate: 6.49%

Loan Term

Monthly Payment

$4,541

Principal & Interest: $4,541

Est. Taxes & Insurance: $1,135

Estimated Total Monthly

$5,676

*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, 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$4,785

Property taxesest. at asking price, St. Johns County$1,196

HOAbilled semi-annually$106

Estimated total, before insurance$6,087/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	$789,038	$434,429	—
2024	$710,884	$421,478	—
2023	$748,260	$407,746	—
2022	$644,929	$394,414	—
2021	$461,221	$381,470	—
2020	$455,169	$375,513	—

2025 property taxes (current owner): $6,346/yr

Estimated taxes if purchased at asking price: ~$14,400/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 (shaded) — moderate flood risk (0.2% annual chance)

Flood insurance is optional but often inexpensive here — worth pricing.

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 1999)

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: ~1,490 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.

History