This home is in Marsh Landing, Ponte Vedra Beach.

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Active·55 days on market·Marsh Landing

8230 Merganser Drive

Ponte Vedra Beach, FL 32082

$1,775,000$463/sqftEst. $9,050/moMLS# 2148508

Beds

Baths

3,837

Sq Ft

1998

Built

Garage

Yes

Pool

About this home

Marsh Landing

Welcome to 8230 Merganser drive located in the highly desired Marsh Landing Country Club! Situated on a spacious 0.55-acre lot along a tidal creek with direct access to the Intracoastal Waterway, this property features a newer dock ideal for fishing, kayaking, paddleboarding, and potentially accommodating a small boat or jet ski lift. Upon entering you're greeted by soaring ceilings with abundant natural light and a thoughtfully designed open floor plan. The main level features a formal dining room, private office, and a guest suite. The gourmet kitchen is equipped with a DCS gas cooktop, quartz countertops, and picturesque water views, making it an ideal space for both everyday living and entertaining. Upstairs, you'll find a spacious primary suite, two additional guest bedrooms, a dedicated home gym, and a versatile bonus room/movie room/5th bedroom. Designed for seamless indoor-outdoor living, the home features a covered lanai that opens to a resort-style pool and spa, complete

Cost to own

Mortgage calculator

Home Price

$1,775,000

Down Payment: 20%

$355,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$9,050

Principal & Interest: $9,050

Property taxes (est.): $2,362

Insurance (est.): $1,183

Estimated Total Monthly

$12,595

*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$9,050

Property taxesest. at asking price, St. Johns County$2,362

HOAbilled quarterly$446

Estimated total, before insurance$11,858/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$18,845/yr · $1,570/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

Last sold: $1,650,000 in January 2024(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$1,374,391	$1,374,391	—
2024	$1,353,411	$679,505	—
2023	$1,240,150	$658,257	—
2022	$1,042,939	$637,628	—
2021	$751,874	$617,600	—
2020	$734,406	$608,383	—

2025 property taxes (current owner): $18,845/yr

Estimated taxes if purchased at asking price: ~$28,300/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 AE — high-risk flood zone (Special Flood Hazard Area)

Lenders require flood insurance for financed purchases here.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Hurricane evacuation zone A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: material not specified — year not disclosed (home built 1998)

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: ~1,786 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