This home is in Plantation Oaks, Ponte Vedra Beach.

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Pending

Pending·46 days on market·Plantation Oaks

347 Clearwater Drive

Ponte Vedra Beach, FL 32082

$1,370,000$291/sqftEst. $6,985/moMLS# 2147443

Beds

Baths

4,707

Sq Ft

2004

Built

Garage

Pool

About this home

Plantation Oaks

Value! Situated on a large estate lot in sought-after Plantation Oaks, this 6BR/5.5BA home offers a rare opportunity to further customize a spacious home in one of Ponte Vedra Beach's most established communities. Set on 0.63 acres, the home features a circular drive, a 3-car garage, and a 4707 sq ft two-story floor plan with exceptional potential. The kitchen opens to the main living area and includes granite countertops, GE Monogram gas appliances, oversized island seating, eat-in area, and a butler's pantry/bar. The family room offers soaring ceilings, a gas fireplace, and custom built-ins. The primary has two walk-in closets, lanai access, and a spacious bath layout ready for updating. Upstairs includes a loft and two bedrooms. Enjoy a large screened lanai with outdoor kitchen, fenced backyard with room for a pool, and peaceful preserve views. Plantation Oaks is a gated community with fabulous amenities, including a pool, tennis/pickleball courts, and playground.

Cost to own

Mortgage calculator

Home Price

$1,370,000

Down Payment: 20%

$274,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$6,985

Principal & Interest: $6,985

Property taxes (est.): $1,823

Insurance (est.): $913

Estimated Total Monthly

$9,722

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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 · 6.58% · 30yr$6,985

Property taxesest. at asking price, St. Johns County$1,823

HOAbilled annually$212

Estimated total, before insurance$9,020/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$12,065/yr · $1,005/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	$1,298,394	$859,047	—
2024	$1,194,143	$834,129	—
2023	$1,211,692	$808,378	—
2022	$1,038,797	$783,377	—
2021	$809,104	$759,104	—
2020	$801,080	$751,080	—

2025 property taxes (current owner): $12,065/yr

Estimated taxes if purchased at asking price: ~$21,900/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 B

Zone B evacuates after zone A in an approaching storm.

Roof: Shingle — year not disclosed (home built 2004)

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

Solar potential: ~1,788 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

Jul 11, 2026Pending$1,370,000
Jun 8, 2026Listed$1,370,000

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

Features

Price$1,370,000

Price / Sq Ft$291

Bedrooms6

Bathrooms5.50

Full Baths5

Half Baths1

Square Footage4,707

Acres0.63 acres

Year Built2004

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionFixer

StatusPending

# of Garages3

Has PoolNo

Is WaterfrontNo

Gated CommunityYes

Direction FacesSouth

School Information

ElementaryOcean Palms

MiddleAlice B. Landrum

HighPonte Vedra

Community Information

Address347 Clearwater Drive, Ponte Vedra Beach, FL 32082

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

SubdivisionPlantation Oaks

CityPonte Vedra Beach

CountySt. Johns

StateFL

Zip Code32082

Lot Size27,442.8 sq ft

Parcel Number0683720280

ZoningResidential

Amenities

AmenitiesPool, Basketball Court, Gated, Park, Pickleball, Playground, Tennis Court(s)

UtilitiesCable Available, Electricity Available, Electricity Connected, Sewer Available, Sewer Connected, Water Available, Water Connected, Propane

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

ViewProtected Preserve, Trees/Woods

Interior

Interior FeaturesBreakfast Bar, Built-in Features, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, His and Hers Closets, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Microwave, Refrigerator

HeatingCentral, Electric

CoolingCentral Air

FlooringCarpet, Tile, Wood

FireplaceYes

# of Fireplaces1

Fireplace FeaturesGas

# of Stories2

LevelsTwo

LaundryLower Level, Sink

Window FeaturesSkylight(s)

SecurityEntry Phone/Intercom, Security Gate, Smoke Detector(s)