This home is in Sawgrass, Ponte Vedra Beach — a gated community home in Ponte Vedra Beach.
Active·46 days on market·Sawgrass
5144 Otter Creek Drive
Ponte Vedra Beach, FL 32082
About this home
Sawgrass
Beautifully updated home in the highly sought-after Players Club at Cypress Creek! Stunning new real oak hardwood floors with a natural matte finish welcome you into the spacious floor plan featuring a double-sided fireplace shared by the living room and private office/4th bedroom. The kitchen offers KitchenAid cabinetry, stainless LG appliances, an upscale induction range, and adjacent flex space perfect for a home office. Major updates include the roof, HVAC, water heater, and pool heater (all within the last 5-6 years), plus a high-efficiency whole-home air filtration system. The primary suite features new carpet, dual vanities, a soaking tub, oversized shower, and walk-in closet. Enjoy your private backyard oasis with a red cedar tongue-and-groove lanai ceiling, resurfaced cool deck, new turf, putting green, pool, spa, and new Pentair IntelliFlo 3 HP pump. Luxury living inside and out--this is a must-see!
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 | $791,653 | $637,251 | — |
| 2024 | $756,528 | $618,584 | — |
| 2023 | $750,181 | $599,111 | — |
| 2022 | $630,205 | $580,205 | — |
| 2021 | $422,254 | $211,342 | — |
| 2020 | $427,323 | $207,665 | — |
2025 property taxes (current owner): $9,078/yr
Estimated taxes if purchased at asking price: ~$16,800/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 — year not disclosed (home built 1988)
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: ~1,506 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 31, 2026Price change$1,050,000−$50,000
- Jul 2, 2026Listed$1,100,000
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 Sawgrass
Sawgrass is a neighborhood in Ponte Vedra Beach, FL (St. Johns County), ZIP 32082.
View all Sawgrass homes for sale →Listing Courtesy of: 1 REALTY CORP
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Krista Fracke
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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines