This home is in Dolphin Cove, Ponte Vedra Beach — a home near Ponte Vedra High School.
Active·45 days on market·Dolphin Cove
28 Cobia Street
Ponte Vedra Beach, FL 32082
About this home
Dolphin Cove
BIG PRICE REDUCTION for this completely remodeled and redesigned Ponte Vedra Beach home situated on an oversized cul-de-sac lot with a spacious backyard. This move-in ready home blends thoughtful updates, modern finishes, and functional living spaces throughout. The beautifully updated kitchen is the centerpiece of the home and features a large island with breakfast bar seating, American Woodmark solid wood cabinetry, quartz countertops, Samsung stainless steel appliances, wall-mounted double ovens, stylish vent hood, and designer tile backsplash. A separate butler's pantry offers additional prep and storage space with butcher block countertops and matching tile accents. Enjoy peace of mind with major recent improvements including a 2025 Carrier HVAC system, new windows (2025), new exterior doors (2026), 2019 architectural shingle roof, and 2023 Rheem water heater. Interior upgrades include updated tiled bathrooms, fresh interior paint, recessed lighting throughout
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 | $398,764 | $234,416 | — |
| 2024 | $388,738 | $227,102 | — |
| 2023 | $392,465 | $219,031 | — |
| 2022 | $313,988 | $211,195 | — |
| 2021 | $261,143 | $203,587 | — |
| 2020 | $250,086 | $200,086 | — |
2025 property taxes (current owner): $3,653/yr
Estimated taxes if purchased at asking price: ~$9,600/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.
Hurricane evacuation zone B
Zone B evacuates after zone A in an approaching storm.
Roof: Shingle — year not disclosed (home built 1979)
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: ~1,706 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
- Aug 12, 2026Price change$599,900−$15,000
- Aug 6, 2026Price change$614,900−$14,100
- Jul 10, 2026Active$629,000
- Jul 1, 2026Listed$629,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
The neighborhood
About Dolphin Cove
Dolphin Cove is a neighborhood in Ponte Vedra Beach, FL (St. Johns County), ZIP 32082.
View all Dolphin Cove homes for sale →Listing Courtesy of: O'MALLEY REAL ESTATE INC
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
Keep looking
More homes in Dolphin Cove
Active Under Contract$550,000MLS# 2154015Est. $2,927/mo85 Dolphin Boulevard E, Ponte Vedra Beach, FL 320823 Beds2 Baths1,140 sqftIf you've been waiting for an affordable home in Ponte Vedra Beach that's TRULY move-in ready, this is it! This…
ResidentialKELLER WILLIAMS REALTY ATLANTIC PARTNERS
Active$525,000MLS# 2157729Est. $2,794/mo9 Drum Place, Ponte Vedra Beach, FL 320823 Beds2 Baths1,184 sqftWelcome to 9 Drum Place in the desirable Dolphin Cove community of Ponte Vedra Beach. This beautifully updated, move-in…
ResidentialBERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY
Active$725,000MLS# 2147618Est. $3,859/mo5 Tarpon Road E, Ponte Vedra Beach, FL 320823 Beds2 Baths1,708 sqftWelcome to this charming all-brick home in Dolphin Cove neighborhood, ideally located just off A1A in Ponte Vedra…
ResidentialBERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY
For Rent$4,000/moMLS# 215857342 Dolphin Boulevard, Ponte Vedra Beach, FL 320823 Beds2 Baths1,419 sqftEnjoy the best of Ponte Vedra Beach living in this beautifully updated pool home, ideally located in the desirable…
Residential LeasePONTE VEDRA & COMPANY REAL ESTATE LLC
Keep looking
Similar homes in Ponte Vedra Beach
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
Curious what nearby homes sold for?
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