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This home is in Coastal Oaks, Ponte Vedra — a pool home in Nocatee.

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Active

Active·45 days on market·Coastal Oaks

203 Old Bluff Drive

Ponte Vedra, FL 32081

$1,925,000$401/sqftEst. $9,815/moMLS# 2150700

Beds

Baths

4,796

Sq Ft

2020

Built

Garage

Yes

Pool

About this home

Coastal Oaks

Welcome to 203 Old Bluff Drive - an extraordinary luxury estate nestled within the exclusive gated community of Coastal Oaks at Nocatee. Built in 2020, this stunning 5-bed/4-bath masterpiece sits on a premium preserve lot and has been meticulously curated with incredible custom upgrades that elevate every inch of this nearly 4,800 sq ft showpiece. Inside, the breathtaking two-story great room stuns with soaring picture windows, an elegant floor-to-ceiling fireplace with custom built-ins, and enchanting light oak-style tile floors that flow throughout. The chef's dream kitchen features crisp white double-stacked cabinetry, an expansive island, gas range, dedicated coffee bar, and a gorgeous butler's pantry. The luxurious downstairs owner's retreat offers a spa-inspired bath with a stunning freestanding tub, elegant tiled shower, dual vanities, and two incredible custom closets. Head upstairs and be pleasantly surprised by the gorgeous

Cost to own

Mortgage calculator

Home Price

$1,925,000

Down Payment: 20%

$385,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$9,815

Principal & Interest: $9,815

Property taxes (est.): $2,562

Insurance (est.): $1,283

Estimated Total Monthly

$13,660

*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$9,815

Property taxesest. at asking price, St. Johns County$2,562

HOAbilled quarterly$255

Estimated total, before insurance$12,632/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.

Cost to own

Taxes & assessment

Last sold: $1,920,000 in April 2024(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$1,514,372	$1,514,372	—
2024	$1,442,005	$879,444	—
2023	$1,296,156	$852,373	—
2022	$1,065,390	$826,090	—
2021	$904,973	$800,573	—
2020	$145,000	$137,500	—

Estimated taxes if purchased at asking price: ~$30,700/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: Shingle — year not disclosed (home built 2020)

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

Solar potential: ~1,605 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 19, 2026Listed$1,925,000

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

Features

Price$1,925,000

Price / Sq Ft$401

Bedrooms5

Bathrooms4.00

Full Baths4

Square Footage4,796

Acres0.26 acres

Year Built2020

TypeResidential

Sub-TypeSingle Family Residence

StyleOther

StatusActive

# of Garages3

Has PoolYes

Pool FeaturesIn Ground, Gas Heat, Salt Water, Screen Enclosure

Is WaterfrontNo

Gated CommunityYes

School Information

ElementaryPine Island Academy

MiddlePine Island Academy

HighAllen D. Nease

Community Information

Address203 Old Bluff Drive, Ponte Vedra, FL 32081

Area272-Nocatee South

SubdivisionCoastal Oaks At Nocatee

CityPonte Vedra

CountySt. Johns

StateFL

Zip Code32081

Lot Size11,325.6 sq ft

Lot DimensionsIrreg LOT

Parcel Number0702914700

Amenities

AmenitiesPool, Basketball Court, Children's Pool, Clubhouse, Dog Park, Fitness Center, Gated, Jogging Path, Park, Playground, Spa/Hot Tub, Tennis Court(s)

UtilitiesElectricity Connected, Natural Gas Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage

ViewProtected Preserve, Trees/Woods

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Built-in Features, Butler Pantry, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Guest Suite, His and Hers Closets, In-Law Floorplan, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Tub with Shower, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Gas Cooktop, Gas Water Heater, Microwave, Refrigerator, Washer, Water Softener Owned

HeatingCentral

CoolingCentral Air

FlooringTile, Vinyl

FireplaceYes

Fireplace FeaturesGas

# of Stories2

LaundryElectric Dryer Hookup, Gas Dryer Hookup, Lower Level, Sink, Washer Hookup

SecurityGated with Guard, Smoke Detector(s)