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This home is in Ponte Vedra — a home near Ponte Vedra High School.

Sold

Sold·Closed Jul 28, 2026·0 days on market·Recent sales in New Construction — Ponte Vedra

1004 S Harbor Lights Drive

Ponte Vedra, FL 32081

$2,960,000sold priceListed at $2,960,000 · 100% of askingMLS# 2148613

Beds

Baths

Sq Ft

—

Built

—

Garage

Pool

FEMA Zone AEHOA $214/mo1.68 acresWaterfrontUnimproved Land

About this home

Ponte Vedra

Build your custom dream home on this 148' front feet intracoastal homesite located in the exclusive gated community of Marsh Harbor with gorgeous eastern exposure and expansive intracoastal to marsh views. A significant advantage for the prospective purchaser is the absence of any specified deadline by which construction of the new residence must commence. Select from one of the approved custom home builders or bring your own, subject to ARB approval. Approximate lot dimensions are 148' x 498' and is 1.68 acres. Buildable area is .43 acres. Just minutes from the beach and convenient access to nearby shops, restaurants, and Nocatee Town Center. Approximately 19 nautical miles to the St. Augustine inlet or Mayport inlet. Low HOA dues currently $2,567.96 annually and a one time capital contribution for $3,851.94.

Next steps in New Construction — Ponte Vedra

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$16,396

Property taxesest. at asking price, St. Johns County$3,939

HOAbilled quarterly$214

Estimated total, before insurance$20,548/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.

Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

Home Price

$2,960,000

Down Payment: 20%

$592,000

Interest Rate: 7.40%

Loan Term

Monthly Payment

$16,396

Principal & Interest: $16,396

Property taxes (est.): $3,939

Insurance (est.): $1,973

Estimated Total Monthly

$22,308

*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 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

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

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.

Closest beach parking
Guana Reserve beach lot (north)
about 2 mi · 70 parking spaces
Closest park or preserve
Nocatee Preserve
about 0.9 mi · 2,378 acres
Closest public boat ramp
Palm Valley Public Landing
about 0.8 mi · Tolomato River
Closest kayak & paddleboard launch
Nocatee Trail Paddlecraft Launch at Palm Valley Bridge
about 0.8 mi · Intracoastal Waterway
Closest youth league fields
Davis Park
about 1 mi · Baseball, Football, Lacrosse, Softball, Soccer
Closest grocery store
Publix
about 2 mi · 3777 Palm Valley Rd, Ponte Vedra

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.

History

Price & status history

Jul 28, 2026Closed$2,960,000
Jun 4, 2026Listed$2,960,000

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.

Address	Closed	Price	$/sq ft	Bd/Ba	Sq ft	DOM	Miles
854 S Harbor Lights Drive, Ponte Vedra, FL 32081Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS	Jul 2026	$1,770,000	—	0/0	—	76	0.1
946 S Harbor Lights Drive, Ponte Vedra, FL 32081Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS	Mar 2026	$1,900,000	—	0/0	—	106	0.1
834 S Harbor Lights Drive, Ponte Vedra, FL 32081Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS	Jun 2026	$1,750,000	—	0/0	—	61	0.2
776 S Harbor Lights Drive, Ponte Vedra, FL 32081Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS	Apr 2026	$1,680,000	—	0/0	—	43	0.2
814 S Harbor Lights Drive, Ponte Vedra, FL 32081Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS	Apr 2026	$1,740,000	—	0/0	—	26	0.2
615 Shell Ridge Lane, Ponte Vedra, FL 32081Listed by FIRST COAST CUSTOM REALTY LLC	Mar 2026	$620,000	—	0/0	—	676	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$2,960,000

Bedrooms0

Bathrooms0.00

Full Baths0

Acres1.68 acres

TypeLand

Sub-TypeUnimproved Land

StatusClosed

Has PoolNo

Is WaterfrontYes

Gated CommunityYes

School Information

ElementaryOcean Palms

MiddleAlice B. Landrum

HighPonte Vedra

Community Information

Address1004 S Harbor Lights Drive, Ponte Vedra, FL 32081

Area262-Ponte Vedra Beach-W Of A1A-S Of Solana Rd

SubdivisionMarsh Harbor

CityPonte Vedra

CountySt. Johns

StateFL

Zip Code32081

Lot Size73,180.8 sq ft

Lot Dimensions148 x 498

Parcel Number0697310130

ZoningResidential

Amenities

AmenitiesPool, Gated

Community FeaturesGated

UtilitiesElectricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ViewIntracoastal, Water

Waterfront TypeIntracoastal, Navigable Water, No Fixed Bridges, Ocean Access, River Access

Exterior

Lot DescriptionDead End Street

Road SurfaceAsphalt

Road FrontagePrivate Road

Additional Information

Date ListedJune 4, 2026

Days on Market0

HOA Fees$641.99 / Quarterly

HOA FrequencyQuarterly

Listing TermsCash, Conventional

55+ CommunityNo

Listing Courtesy of: KELLER WILLIAMS REALTY ATLANTIC PARTNERS

Sold by: BETTER HOMES & GARDENS REAL ESTATE LIFESTYLES REALTY (buyer's brokerage)

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.

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