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 Seaside At Ponte Vedra Beach, Ponte Vedra Beach — a home near Ponte Vedra High School.

1 / 58

Active Under Contract

Active Under Contract·58 days on market·Seaside At Ponte Vedra Beach

148 Patrick Mill Circle

Ponte Vedra Beach, FL 32082

$599,900$316/sqftEst. $3,059/moMLS# 2148292

Beds

Baths

1,897

Sq Ft

1990

Built

Garage

Pool

About this home

Seaside At Ponte Vedra Beach

Imagine living in Ponte Vedra Beach and walking or biking to your private beach access, just moments from home. This charming one-story retreat offers 3 bedrooms, 2 baths, soaring vaulted ceilings, Plantation shutters and a welcoming open floor plan designed for effortless coastal living. Unwind by the wood-burning fireplace, relax in the spacious primary suite or entertain friends on the screened lanai and expansive paver patio overlooking the beautifully landscaped backyard. An attached two-car garage with attic storage adds everyday convenience. Located in the sought-after Seaside community, residents enjoy private beach access, a pool, clubhouse, tennis, pickleball, and RV/boat storage. Opportunities like this becoming increasingly rare in Ponte Vedra Beach, this may be the lifestyle you've been waiting for. Come see for yourself--you may never want to leave.

Cost to own

Mortgage calculator

Home Price

$599,900

Down Payment: 20%

$119,980

Interest Rate: 6.58%

Loan Term

Monthly Payment

$3,059

Principal & Interest: $3,059

Property taxes (est.): $798

Insurance (est.): $400

Estimated Total Monthly

$4,257

*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$3,059

Property taxesest. at asking price, St. Johns County$798

HOAbilled annually$85

Estimated total, before insurance$3,942/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$6,150/yr · $513/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	$507,320	$419,843	—
2024	$457,303	$407,303	—
2023	$461,538	$167,620	—
2022	$429,664	$161,282	—
2021	$330,586	$155,128	—
2020	$318,039	$152,296	—

2025 property taxes (current owner): $6,150/yr

Estimated taxes if purchased at asking price: ~$9,600/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: Shingle — year not disclosed (home built 1990)

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: ~1,776 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

Jun 2, 2026Listed$599,900

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

Features

Price$599,900

Price / Sq Ft$316

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,897

Acres0.11 acres

Year Built1990

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive Under Contract

# of Garages2

Has PoolNo

Is WaterfrontNo

School Information

ElementaryPonte Vedra Rawlings

MiddleAlice B. Landrum

HighPonte Vedra

Community Information

Address148 Patrick Mill Circle, Ponte Vedra Beach, FL 32082

Area263-Ponte Vedra Beach-W Of A1A-S Of CR-210

SubdivisionSeaside At Ponte Vedra Beach

CityPonte Vedra Beach

CountySt. Johns

StateFL

Zip Code32082

Lot Size4,791.6 sq ft

Parcel Number0685610130

ZoningResidential

Amenities

AmenitiesPool, Beach Access, Pickleball, RV/Boat Storage, Tennis Court(s)

UtilitiesElectricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage

Interior

Interior FeaturesBuilt-in Features, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Pantry, Primary Bathroom -Tub with Separate Shower, Vaulted Ceiling(s)

AppliancesDishwasher, Disposal, Electric Oven, Electric Range, Electric Water Heater, Microwave, Refrigerator, Water Softener Owned

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile, Wood

FireplaceYes

# of Fireplaces1

Fireplace FeaturesWood Burning

# of Stories1

LevelsOne

LaundryIn Unit