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This home is in Plantation Oaks, Ponte Vedra Beach — a home near Ponte Vedra High School.

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Active Under Contract

Active Under Contract·46 days on market·Plantation Oaks

264 Clearwater Drive

Ponte Vedra Beach, FL 32082

$1,579,000$329/sqftEst. $8,143/moMLS# 2152678

Beds

Baths

4,799

Sq Ft

2005

Built

Garage

Yes

Pool

About this home

Plantation Oaks

Tucked away on a spacious preserve lot in Plantation Oaks, Ponte Vedra Beach, this exceptional pool home is a rare find--blending unmatched character with elevated coastal design and thoughtful craftsmanship throughout. The heart of the home is a stunning, coastal-inspired kitchen designed for both everyday living and entertaining. Outfitted with high-end stainless steel appliances, including a gas cooktop, custom Woodsman cabinetry, a one-of-a-kind Tabbystone range hood, cast iron farmhouse sink, granite countertops, and a separate stone vegetable sink, every detail has been carefully curated. Ambient under- and over-cabinet lighting adds warmth and dimension. The adjacent family room impresses with soaring 20-foot ceilings and a dramatic wall of windows that floods the space with natural light. Disappearing glass sliders create a seamless transition to the outdoor living area--an entertainer's dream featuring a screened lanai, resort-style pool and spa, summer kitchen, cozy

Cost to own

Mortgage calculator

Home Price

$1,579,000

Down Payment: 20%

$315,800

Interest Rate: 6.69%

Loan Term

Monthly Payment

$8,143

Principal & Interest: $8,143

Property taxes (est.): $2,101

Insurance (est.): $1,053

Estimated Total Monthly

$11,297

*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$8,143

Property taxesest. at asking price, St. Johns County$2,101

HOAbilled annually$197

Estimated total, before insurance$10,441/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$11,964/yr · $997/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	$1,338,190	$851,533	—
2024	$1,187,410	$826,827	—
2023	$1,200,410	$801,288	—
2022	$1,024,760	$776,493	—
2021	$805,299	$752,420	—
2020	$791,341	$741,341	—

2025 property taxes (current owner): $11,964/yr

Estimated taxes if purchased at asking price: ~$25,200/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 (shaded) — moderate flood risk (0.2% annual chance)

Flood insurance is optional but often inexpensive here — worth pricing.

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 — year not disclosed (home built 2005)

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

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: ~1,756 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 18, 2026Active Under Contract$1,579,000
Jul 12, 2026Price change$1,579,000−$10,000
Jun 26, 2026Listed$1,589,000

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

Features

Price$1,579,000

Price / Sq Ft$329

Bedrooms5

Bathrooms6.00

Full Baths6

Square Footage4,799

Acres0.30 acres

Year Built2005

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive Under Contract

# of Garages3

Has PoolYes

Pool FeaturesIn Ground, Heated, Screen Enclosure, Solar Heat

Is WaterfrontNo

Gated CommunityYes

School Information

ElementaryOcean Palms

MiddleAlice B. Landrum

HighPonte Vedra

Community Information

Address264 Clearwater Drive, Ponte Vedra Beach, FL 32082

Area262-Ponte Vedra Beach-W Of A1A-S Of Solana Rd

SubdivisionPlantation Oaks

CityPonte Vedra Beach

CountySt. Johns

StateFL

Zip Code32082

Lot Size13,068 sq ft

Parcel Number0683720800

Amenities

AmenitiesPool, Basketball Court, Gated, Park, Pickleball, Tennis Court(s)

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Circular Driveway, Garage

ViewProtected Preserve

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Built-in Features, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, His and Hers Closets, Jack and Jill Bath, Kitchen Island, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s), Wet Bar

AppliancesConvection Oven, Dishwasher, Disposal, Gas Cooktop, Ice Maker, Microwave, Refrigerator, Water Softener Owned

HeatingCentral

CoolingCentral Air

FlooringCarpet, Stone, Tile

FireplaceYes

# of Fireplaces3

Fireplace FeaturesGas

# of Stories3

LevelsTwo

LaundryElectric Dryer Hookup, Washer Hookup

Spa FeaturesIn Ground, Heated, Private