This home is in Oakbridge, Ponte Vedra Beach — a gated community home in Ponte Vedra Beach.
Active·46 days on market·Oakbridge
103 Citrus Lane
Ponte Vedra Beach, FL 32082
About this home
Oakbridge
Situated on a cul-de-sac in the highly desirable Oakbridge neighborhood within Sawgrass Player's Club, this one-story home offers an exceptional opportunity to create your dream residence in the heart of Ponte Vedra Beach. Featuring 1,642 sq ft, 4 bedrooms, 2 full bathrooms, and a 2-car garage, this property is ideal for buyers seeking a renovation project with upside potential. The floor plan includes a great room with built-in cabinetry, an eat-in kitchen, and large dining area ready for your personal updates and design vision. A standout feature is the expansive 20' x 30' covered screen porch, providing additional living space overlooking the fenced backyard. Positioned on 78' x 175' lot, the property offers ample outdoor space for recreation or future enhancements. Additional highlights include a stucco exterior & newer roof. Amenities: pool, tennis, pickleball, park, playground, jogging paths, clubhouse & more. Check out Argyle Restaurant in the community. ROOF: 2024
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 | $519,261 | $364,312 | — |
| 2024 | $479,683 | $338,612 | — |
| 2023 | $442,782 | $314,108 | — |
| 2022 | $411,607 | $291,517 | — |
| 2021 | $320,673 | $270,673 | — |
| 2020 | $316,674 | $305,272 | — |
2025 property taxes (current owner): $5,558/yr
Estimated taxes if purchased at asking price: ~$8,800/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 AE — high-risk flood zone (Special Flood Hazard Area)
Lenders require flood insurance for financed purchases here.
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 — 2024 per the listing
A recent roof is the single biggest lever on Florida homeowners-insurance pricing.
Sewer · St Johns County Utilities - accounts · Public water · St Johns County Utilities - water accounts
County records show this parcel on central sewer served by St Johns County Utilities - accounts — no septic system to inspect or maintain.
Source: Florida DOH Water Management Inventory (public record).
Solar potential: ~1,161 usable sun-hours per year
Moderate solar exposure — shade or roof orientation limits panel output here.
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
- Jun 26, 2026Listed$550,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
The neighborhood
About Oakbridge
Oakbridge is a neighborhood in Ponte Vedra Beach, FL (St. Johns County), ZIP 32082.
View all Oakbridge homes for sale →Listing Courtesy of: BEST COAST REALTY LLC
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
Keep looking
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Your Local Realtor
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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MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines