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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in Coastal Oaks, Ponte Vedra — a gated community home in St. Johns County.

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Active·139 days on market·Coastal Oaks

43 Marathon Key Way

Ponte Vedra, FL 32081

$665,000$309/sqftEst. $3,683/mo mortgageMLS# 2148404
↓ $20,000 below original list
3
Beds
3
Baths
2,154
Sq Ft
2008
Built
2
Garage
No
Pool

14 more homes for sale in Coastal Oaks →Search Coastal Oaks on the map

FEMA Zone XHOA $255/mo8,712 sqft lotSingle Family Residence2 stories

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About this home

Coastal Oaks

Let's Get You Home®! Some homes simply feel like they've been truly loved—and this is one of them. Tucked at the end of a quiet cul-de-sac in gated Coastal Oaks at Nocatee, this 3-bedroom, 3-bath home with bonus room has been cared for by its original owner since 2008. Nearly two decades of memories have filled these rooms, and now it's ready for someone new to make it their own. A NEW ROOF, flexible floor plan, screened patio and spacious backyard give you a wonderful place to start. The home is priced with room to refresh, personalize and create spaces that feel like you—not someone else's renovation. Just minutes outside your front door, enjoy resort-style pools, clubhouse, fitness center, parks and scenic trails. The location is already perfect. The memories are waiting to be made. Bring your ideas, imagine your life here, and fall in love with the possibilities. Better get a "move on!"

Next steps in Coastal Oaks

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Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$3,683
Property taxesest. at asking price, St. Johns County$885
HOAbilled quarterly$255
Estimated total, before insurance$4,824/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$6,713/yr · $559/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$665,000
$133,000
Loan Term
Monthly Payment
$3,683
Principal & Interest: $3,683
Property taxes (est.): $885
Insurance (est.): $443
Estimated Total Monthly
$5,012
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-15, 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.

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.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: Shingle — year not disclosed (home built 2008)

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

Sewer · JEA · Public water · JEA_Premises point dataset with CCB_DESC like Water

County records show this parcel on central sewer served by JEA — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,784 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.

Around this address

Nearby, from public data

The closest public beach, park, water access, league fields and grocery store from this home's location.

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.

Cost to own

Taxes & assessment

YearMarket valueTaxable valueChange
2025$543,540$330,703—
2024$559,944$320,675—
2023$579,026$309,879—
2022$485,410$299,397—
2021$357,011$289,220—
2020$332,562$274,777—

2025 property taxes (current owner): $6,713/yr

Estimated taxes if purchased at asking price: ~$10,600/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.

History

Price & status history

  • Aug 21, 2026Price change$665,000−$20,000
  • Jun 3, 2026Listed$685,000

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 $319/sq ft; this home is listed at $309/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
163 Breezy Bay Drive, Ponte Vedra, FL 32081Listed by LOKATIONSep 2026$495,000$3092/21,60490.8
269 Dawes Avenue, Ponte Vedra, FL 32081Listed by PROVIDENCE REALTY, LLCOct 2026$818,151$3414/3.52,399361
285 Dawes Avenue, Ponte Vedra, FL 32081Listed by WEEKLEY HOMES REALTYSep 2026$725,000$3063/2.52,3671071
277 Dawes Avenue, Ponte Vedra, FL 32081Listed by WEEKLEY HOMES REALTYSep 2026$764,691$3193/2.52,399281
183 Dawes Avenue, Ponte Vedra, FL 32081Listed by PROVIDENCE REALTY, LLCSep 2026$729,900$3264/2.52,2394481
293 Reflections Avenue, Ponte Vedra, FL 32081Listed by RICK WOOD & ASSOCIATES INCSep 2026$675,140$2914/3.52,321101.1

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

Price$665,000
Price / Sq Ft$309
Bedrooms3
Bathrooms3.00
Full Baths3
Square Footage2,154
Acres0.20 acres
Year Built2008
TypeResidential
Sub-TypeSingle Family Residence
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontNo
Gated CommunityYes

School Information

Zone sourceSt. Johns County School District attendance zones, current school year. Zones change; confirm with the district before you rely on one.
Reported byThe listing agent, in the MLS. Where it differs from the zone, the zone wins.

Community Information

Address43 Marathon Key Way, Ponte Vedra, FL 32081
Area272-Nocatee South
SubdivisionCoastal Oaks At Nocatee
CityPonte Vedra
CountySt. Johns
StateFL
Zip Code32081
Lot Size8,712 sq ft
Parcel Number0702911250

Amenities

AmenitiesPool, Basketball Court, Clubhouse, Dog Park, Gated, Jogging Path, Pickleball, Playground, Tennis Court(s)
UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected, Propane
SewerPublic Sewer
Water SourcePublic
ParkingGarage, Garage Door Opener
ViewTrees/Woods

Interior

Interior FeaturesBreakfast Bar, Entrance Foyer, His and Hers Closets, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs
AppliancesDishwasher, Disposal, Electric Water Heater, Gas Range, Refrigerator, Tankless Water Heater
HeatingCentral
CoolingCentral Air
FlooringCarpet, Wood
FireplaceYes
# of Fireplaces1
# of Stories2
LevelsTwo
LaundryGas Dryer Hookup, Washer Hookup
SecurityGated with Guard

Exterior

Lot DescriptionCul-De-Sac
Patio / PorchFront Porch, Rear Porch, Screened
RoofShingle
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedJune 3, 2026
Days on Market137
HOA Fees$766 / Quarterly
HOA FrequencyQuarterly
HOA NameCoastal Oaks at Nocatee
HOA Fee IncludesMaintenance Grounds, Security
Tax Amount$6,713.47
Tax Year2025
Listing TermsCash, Conventional
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: THE LEGENDS OF REAL ESTATE

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 Coastal Oaks

Coastal Oaks is a neighborhood in Nocatee, FL (St. Johns County), ZIP 32081.

View all Coastal Oaks homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

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20+ years · 500+ closings · NE Florida

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Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

Northeast Florida living

Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines