This home is in Ponte Vedra Beach.
Active·91 days on market
457 N A1A
Ponte Vedra Beach, FL 32082
About this home
Ponte Vedra Beach
Beautifully updated 5-bed, 4-bath home east of A1A, short walk to beach, with no HOA or CDD fees. Offering apprx 2,516 SqFt of flex living space, home features a spacious primary suite, private in-law suite with its own bath, kitchenette, and separate entrance plus dedicated Flex room for home office, gym, nursery or guest qtr. Architectural garage plans are available for review. Major improvements include updated kitchen and bathrooms, granite countertops, stainless steel appliances, luxury vinyl plank flooring, fresh interior and exterior paint, updated electrical, new HVAC and ducting, city sewer connection, new well and pump, new water heater, new sod, vinyl privacy fencing, gutters with buried PVC drainage.
Cost to own
Mortgage calculator
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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 | $667,267 | $298,675 | — |
| 2024 | $693,260 | $289,550 | — |
| 2023 | $644,394 | $279,660 | — |
| 2022 | $630,089 | $270,058 | — |
| 2021 | $399,385 | $260,736 | — |
| 2020 | $392,366 | $392,366 | — |
2025 property taxes (current owner): $4,592/yr
Estimated taxes if purchased at asking price: ~$14,100/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 B
Zone B evacuates after zone A in an approaching storm.
Roof: material not specified — year not disclosed (home built 1972)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Sewer · JEA_Premises point dataset CCB_DESCR like sewer · Public water · JEA_Premises point dataset with CCB_DESC like Water
County records show this parcel on central sewer served by JEA_Premises point dataset CCB_DESCR like sewer — no septic system to inspect or maintain.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,748 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 homeAs 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 14, 2026Price change$884,000−$5,000
- Jul 24, 2026Price change$889,000−$30,000
- May 29, 2026Listed$919,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
Community Information
Amenities
Interior
Additional Information
Listing Courtesy of: HERRON REAL ESTATE LLC
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
Keep looking
Similar homes in Ponte Vedra Beach
Explore the area
More in Ponte Vedra Beach
Ponte Vedra Beach guides & reports
Your Local Realtor
Krista Fracke
Broker Associate
Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.
Text Krista about this home20+ years · 500+ closings · NE Florida
Curious what nearby homes sold for?
MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines