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 Coral Ridge, Ponte Vedra — a home near Allen D. Nease High School.

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Active

Active·45 days on market·Coral Ridge

628 Seagrove Drive

Ponte Vedra, FL 32081

$1,799,500$417/sqftEst. $9,280/moMLS# 2152030

Beds

Baths

4,316

Sq Ft

2024

Built

Garage

Yes

Pool

About this home

Coral Ridge

This custom-built luxury pool home, located in the Coral Ridge gated neighborhood of Nocatee, masterfully blends sophisticated design, flexible living, and Florida indoor-outdoor living. Featuring 5 bedrooms, 5 baths, and multiple flex spaces, the home lives far larger than its footprint, offering exceptional versatility. A Riverside Home designed with extensive builder upgrades and enhanced by over $100,000 in owner improvements, the residence showcases custom ceiling beams, a striking shiplap fireplace, professional grade internet, home theater & audio system, designer window treatments with smart enabled controls and premium finishes throughout. A dramatic 16-foot sliding glass wall seamlessly connects the main living area to the screened outdoor lanai. The open floor plan highlights the chef's kitchen with an oversized quartz island, ceiling-height custom cabinetry, butler's pantry, and

Cost to own

Mortgage calculator

Home Price

$1,799,500

Down Payment: 20%

$359,900

Interest Rate: 6.69%

Loan Term

Monthly Payment

$9,280

Principal & Interest: $9,280

Property taxes (est.): $2,395

Insurance (est.): $1,200

Estimated Total Monthly

$12,874

*30-year loan at 6.69% APR (avg 30-yr rate 2026-08-06, 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 · 6.69% · 30yr$9,280

Property taxesest. at asking price, St. Johns County$2,395

HOAbilled annually$125

Estimated total, before insurance$11,799/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$20,220/yr · $1,685/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: $4,200,000 in May 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$1,318,515	$1,267,793	—
2024	$160,000	$160,000	—

2025 property taxes (current owner): $20,220/yr

Estimated taxes if purchased at asking price: ~$28,700/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 2024)

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.

History

Price & status history

Jul 27, 2026Price change$1,799,500−$50,500
Jun 24, 2026Listed$1,850,000

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

Features

Price$1,799,500

Price / Sq Ft$417

Bedrooms5

Bathrooms5.00

Full Baths5

Square Footage4,316

Total Structure Area5,759 sq ft

Acres0.27 acres

Year Built2024

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages3

Has PoolYes

Pool FeaturesIn Ground, Heated, Salt Water, Screen Enclosure, Waterfall

Is WaterfrontNo

Gated CommunityYes

Direction FacesWest

School Information

ElementaryPine Island Academy

MiddlePine Island Academy

HighAllen D. Nease

Community Information

Address628 Seagrove Drive, Ponte Vedra, FL 32081

Area272-Nocatee South

SubdivisionCoral Ridge

CityPonte Vedra

CountySt. Johns

StateFL

Zip Code32081

Lot Size11,761.2 sq ft

Parcel Number0705100740

ZoningResidential

Amenities

AmenitiesPool, Basketball Court, Boat Launch, Children's Pool, Clubhouse, Dog Park, Fitness Center, Gated, Jogging Path, Park, Playground, Tennis Court(s)

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

SewerPublic Sewer

Water SourcePublic

ParkingAdditional Parking, Garage Door Opener, Guest

ViewProtected Preserve

Interior

Interior FeaturesButler Pantry, Eat-in Kitchen, Entrance Foyer, His and Hers Closets, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Smart Thermostat, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s), Wet Bar

AppliancesDishwasher, Disposal, Double Oven, Dryer, Gas Cooktop, Gas Range, Gas Water Heater, Microwave, Refrigerator, Tankless Water Heater, Washer, Water Softener Owned, Wine Cooler

HeatingCentral

CoolingCentral Air, Multi Units

FlooringTile

FireplaceYes

Fireplace FeaturesElectric

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, In Unit, Lower Level, Sink, Washer Hookup

SecuritySecurity Gate, Smoke Detector(s)

Spa FeaturesIn Ground, Heated