This home is in Sawmill Lakes, Ponte Vedra Beach — a waterfront home in Ponte Vedra Beach.
Sold·Closed Jul 10, 2026·16 days on market·Recent sales in Sawmill Lakes·Sawmill Lakes
409 S Lakewood Run Drive
Ponte Vedra Beach, FL 32082
8 more homes for sale in Sawmill Lakes →Search Sawmill Lakes on the map
About this home
Sawmill Lakes
A must see 5-bedroom, 4-bathroom home in Sawmill Lakes. Situated on a generous half-acre lot, this spacious 3,389-square-foot residence offers the perfect combination of comfort, elegance, and a beautiful lake view. Freshly painted throughout and featuring brand-new carpeting in all bedrooms, the home is move-in ready and designed for modern living. The floor plan provides ample space for both everyday living and entertaining, with spacious gathering areas and plenty of natural light. The well-appointed layout includes four bedrooms and three full bathrooms downstairs, and a 5th bedroom/full bathroom upstairs, offering flexibility for families, guests, or a home office.
Next steps in Sawmill Lakes
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).
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
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 1997)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,744 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.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $808,244 | $469,028 | — |
| 2024 | $760,533 | $454,961 | — |
| 2023 | $751,841 | $440,108 | — |
| 2022 | $665,455 | $430,187 | — |
| 2021 | $518,921 | $416,186 | — |
| 2020 | $516,053 | $409,743 | — |
2025 property taxes (current owner): $6,812/yr
Estimated taxes if purchased at asking price: ~$18,000/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.
History
Price & status history
- Jul 10, 2026Closed$1,190,000
- Jun 6, 2026Listed$1,190,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Closed sales
What sold nearby
Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $320/sq ft; this home is listed at $351/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 317 S Mill View Way, Ponte Vedra Beach, FL 32082Listed by COLDWELL BANKER VANGUARD REALTY | Jul 2026 | $1,000,000 | $300 | 5/3.5 | 3,333 | 50 | 0.1 |
| 641 Lake Stone Circle, Ponte Vedra Beach, FL 32082Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS | Sep 2026 | $839,000 | $320 | 4/2.5 | 2,620 | 2 | 0.4 |
| 380 Clearwater Drive, Ponte Vedra Beach, FL 32082Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS | Jul 2026 | $1,300,000 | $306 | 5/5 | 4,246 | 46 | 0.4 |
| 612 W Moss Wood Trace, Ponte Vedra Beach, FL 32082Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS | Jul 2026 | $989,000 | $363 | 4/2.5 | 2,722 | 3 | 0.4 |
| 447 W Mill Chase Court, Ponte Vedra Beach, FL 32082Listed by MARSH LANDING REALTY | Jul 2026 | $1,050,000 | $309 | 5/4 | 3,393 | 40 | 0.5 |
| 17 Palm Lane, Ponte Vedra Beach, FL 32082Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY | Aug 2026 | $1,625,000 | $538 | 5/3.5 | 3,018 | 94 | 0.7 |
Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: DAVIDSON REALTY, INC.
Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.
The neighborhood
About Sawmill Lakes
Sawmill Lakes is a neighborhood in Ponte Vedra Beach, FL (St. Johns County), ZIP 32082.
View all Sawmill Lakes homes for sale →Keep looking
More homes in Sawmill Lakes
Pending403 S Mill View WayPonte Vedra Beach, FL 32082
4 bd · 4 ba · 3,570 sq ft
$1,299,000Est. $6,914/moCompletely transformed and renovated inside and out, this stunning Sawmill Lakes home is as close to new construction…
Listing Office: ponte vedra club realty, inc.
Under Contract132 Sawmill Lakes BoulevardPonte Vedra Beach, FL 32082
4 bd · 3 ba · 2,797 sq ft
$969,000Est. $5,157/moExceptionally well maintained Arvida Model Home in Sawmill Lakes. Pavered courtyard driveway welcomes you to this 4bd,…
Listing Office: berkshire hathaway homeservices florida network realty
For Sale257 North Mill View WayPonte Vedra Beach, FL 32082
4 bd · 2 ba · 2,445 sq ft
$795,000Est. $4,231/moLOCATION, LIFESTYLE & AMENITES! Welcome to 257 N Mill View Way, a move-in ready, light and bright 4-bedroom, 2-bath…
Listing Office: keller williams realty atlantic partners st. augustine
For Sale517 E Moss Wood TracePonte Vedra Beach, FL 32082
4 bd · 2.5 ba · 2,211 sq ft
$705,000Est. $3,752/moPRICE REDUCED & SELLER OFFERING $5000 BUYER INCENTIVE TO USE AS YOU CHOOSE!! CAN CLOSE FAST!! Top-tier schools, NO CDD…
Listing Office: ponte vedra key realty
Keep looking
Similar homes in Ponte Vedra Beach
Explore the area
More in Sawmill Lakes
Sawmill Lakes guides & reports
Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Jul 10, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.
Text Krista about this saleHomes for sale nearby →20+ 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