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

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Active

Active·45 days on market·Coastal Oaks

381 Pelican Pointe Road

Ponte Vedra, FL 32081

$695,000$326/sqftEst. $3,544/moMLS# 2150607

Beds

Baths

2,129

Sq Ft

2017

Built

Garage

Pool

About this home

Coastal Oaks

WELCOME TO COASTAL OAKS IN NOCATEE! This beautifully designed 3-bedroom, 2-bath home offers the perfect blend of comfort, style, and Florida living. The open-concept floor plan creates a seamless flow throughout the main living spaces, making it ideal for both everyday living and entertaining. At the heart of the home, the stunning kitchen features an oversized island with seating for up to six, abundant prep space, and a natural connection to the dining and family rooms. Whether hosting guests or enjoying a quiet evening at home, this inviting layout is sure to impress. The thoughtfully designed split-bedroom floor plan provides privacy for family and guests. Two spacious secondary bedrooms share a well-appointed bath, while the primary suite serves as a peaceful retreat with a luxurious walk-in shower, relaxing garden tub, and generous space to unwind. Step outside to the screened lanai and enjoy tranquil preserve views, offering privacy and a serene backdrop for morning coffee.

Cost to own

Mortgage calculator

Home Price

$695,000

Down Payment: 20%

$139,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$3,544

Principal & Interest: $3,544

Property taxes (est.): $925

Insurance (est.): $463

Estimated Total Monthly

$4,932

*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$3,544

Property taxesest. at asking price, St. Johns County$925

HOAbilled quarterly$255

Estimated total, before insurance$4,724/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$9,406/yr · $784/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	$555,971	$530,972	—
2024	$571,609	$482,702	—
2023	$590,824	$438,820	—
2022	$496,006	$398,927	—
2021	$362,661	$362,661	—
2020	$337,606	$337,606	—

2025 property taxes (current owner): $9,406/yr

Estimated taxes if purchased at asking price: ~$11,100/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.

Outside all hurricane evacuation zones

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

Roof: Membrane, Shingle — year not disclosed (home built 2017)

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

Solar potential: ~1,703 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

Jul 20, 2026Price change$695,000−$29,900
Jun 15, 2026Listed$724,900

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

Features

Price$695,000

Price / Sq Ft$326

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage2,129

Total Structure Area3,255 sq ft

Acres0.16 acres

Year Built2017

TypeResidential

Sub-TypeSingle Family Residence

StyleCraftsman, Ranch

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Gated CommunityYes

Community Information

Address381 Pelican Pointe Road, Ponte Vedra, FL 32081

Area272-Nocatee South

SubdivisionCoastal Oaks At Nocatee

CityPonte Vedra

CountySt. Johns

StateFL

Zip Code32081

Lot Size6,969.6 sq ft

Parcel Number0702910670

ZoningPUD

Amenities

AmenitiesPool, Basketball Court, Clubhouse, Dog Park, Fitness Center, Gated, Jogging Path, Maintenance Grounds, Management - Off Site, Park, Pickleball, Playground, Security, Tennis Court(s)

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

Green / EnergyWindows

ParkingAttached, Garage, Garage Door Opener

ViewProtected Preserve

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Gas Cooktop, Gas Oven, Gas Water Heater, Microwave, Refrigerator, Tankless Water Heater, Washer

HeatingCentral, Electric, Heat Pump

CoolingCentral Air, Electric

FlooringCarpet, Tile

# of Stories1

LevelsOne

Security24 Hour Security, Gated with Guard, Security Gate, Smoke Detector(s)