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 Marsh Harbor, Ponte Vedra — a pool home in St. Johns County.

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Active

Active·51 days on market·Marsh Harbor

659 S Preserve View

Ponte Vedra, FL 32081

$1,375,000$388/sqftEst. $7,011/moMLS# 2149083

Beds

Baths

3,541

Sq Ft

2005

Built

Garage

Yes

Pool

About this home

Marsh Harbor

Inside the charming, gated intracoastal community of Marsh Harbor, this 5 BR, 4.5 bath home is located at the end of a private 2 home cul-de-sac with easterly views of the backyard lake. Zoned for leading SJC schools; Ocean Palms, Landrum Middle, and PV High. The spacious family room/ kitchen/ breakfast area with three panel sliding glass pocket door overlooks the screened lanai and heated, saltwater pool. Large, open formal living/dining space with 12 ft ceiling and sliding glass doors. Luxury vinyl plank throughout main living areas. Lanai is pre-plumbed with propane and water hookups for a future outdoor kitchen. All bedrooms and a designate office are downstairs w/ bonus (5th bedroom) upstairs complete w/ full bath and large closet. Custom shelving/cabinetry in the large primary suite closet, pantry, laundry room, and garage. 3-car garage w/ epoxy floors and lots of storage space. New propane cooktop and quartz counters in kitchen 2026. Fantastic community intracoastal boat dock!

Cost to own

Mortgage calculator

Home Price

$1,375,000

Down Payment: 20%

$275,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$7,011

Principal & Interest: $7,011

Property taxes (est.): $1,830

Insurance (est.): $917

Estimated Total Monthly

$9,757

*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$7,011

Property taxesest. at asking price, St. Johns County$1,830

HOAbilled quarterly$214

Estimated total, before insurance$9,054/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$7,930/yr · $661/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	$1,003,374	$551,998	—
2024	$856,143	$535,734	—
2023	$1,008,065	$518,674	—
2022	$890,163	$502,111	—
2021	$581,619	$486,030	—
2020	$572,020	$478,629	—

2025 property taxes (current owner): $7,930/yr

Estimated taxes if purchased at asking price: ~$22,000/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.

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 A

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

Roof: Shingle — year not disclosed (home built 2005)

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: ~1,773 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 8, 2026Listed$1,375,000

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

Features

Price$1,375,000

Price / Sq Ft$388

Bedrooms5

Bathrooms4.50

Full Baths4

Half Baths1

Square Footage3,541

Total Structure Area3,531 sq ft

Acres0.41 acres

Year Built2005

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionUpdated/Remodeled

StatusActive

# of Garages3

Has PoolYes

Pool FeaturesIn Ground, Heated, Salt Water

Is WaterfrontNo

Direction FacesEast

School Information

ElementaryOcean Palms

MiddleAlice B. Landrum

HighPonte Vedra

Community Information

Address659 S Preserve View, 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 Size17,859.6 sq ft

Lot Dimensions012 X 188 X 92 X 280

Parcel Number0680130130

Amenities

AmenitiesPool, Boat Launch, Clubhouse, Playground

UtilitiesCable Available, Electricity Available, Natural Gas Available, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

ViewLake, Pond, Water

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Built-in Features, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Kitchen Island, Open Floorplan, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Vaulted Ceiling(s)

AppliancesConvection Oven, Dishwasher, Disposal, Electric Oven, Electric Water Heater, Gas Cooktop, Microwave, Refrigerator, Water Softener Owned

HeatingCentral

CoolingCentral Air, Electric

FlooringCarpet, Laminate, Wood

FireplaceYes

# of Fireplaces1

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup