This home is in Ponte Vedra Beach — an oceanfront condo in Ponte Vedra Beach.
Active·47 days on market
685 Ponte Vedra Boulevard 685C
Ponte Vedra Beach, FL 32082
About this home
Ponte Vedra Beach
MOVE IN READY with interior design by Lise Davis. This fabulous Old Florida vibe oceanfront condo is the retreat you have dreamed about!!! Vacation everyday in the heart of beautiful Ponte Vedra Beach. This stunning residence showcases a thoughtfully redesigned kitchen, updated bathrooms, and a heated and cooled expanded porch which fully opens up to hear the ocean waves and feel the breeze. High-end finishes include custom cabinetry, marble countertops, custom mural, designer wallpaper, designer tile, premium flooring, and hurricane-rated sliding glass doors. Located in El Mar, a meticulously maintained and professionally managed community, this second-floor unit offers spectacular ocean views. A private rear staircase from the porch provides direct access to the beach, making seaside living effortless. The split-bedroom floor plan enhances privacy, creating a peaceful retreat for the owner's suite. Enjoy the feeling of a secluded stretch of beach while remaining just a short
Cost to own
Mortgage calculator
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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 | $1,198,428 | $901,579 | — |
| 2024 | $1,183,428 | $819,617 | — |
| 2023 | $1,183,428 | $745,106 | — |
| 2022 | $756,750 | $677,369 | — |
| 2021 | $615,790 | $615,790 | — |
| 2020 | $615,790 | $607,468 | — |
2025 property taxes (current owner): $14,227/yr
Estimated taxes if purchased at asking price: ~$27,100/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 VE — coastal high-hazard area
Flood insurance is required by lenders, at coastal (wave-action) rates.
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 — year not disclosed (home built 1987)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,714 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 homeAs 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 14, 2026Price change$1,698,900−$68,100
- Jun 25, 2026Listed$1,767,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: PONTE VEDRA CLUB REALTY, INC.
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
Keep looking
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Krista Fracke
Broker Associate
Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.
Text Krista about this home20+ years · 500+ closings · NE Florida
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Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines