This home is in Sawmill Lakes, Ponte Vedra Beach — a home near Ponte Vedra High School.
Active·91 days on market·Sawmill Lakes
517 E Moss Wood Trace
Ponte Vedra Beach, FL 32082
6 more homes for sale in Sawmill Lakes →Search Sawmill Lakes on the map
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About this home
Sawmill Lakes
PRICE REDUCED & SELLER OFFERING $5000 BUYER INCENTIVE TO USE AS YOU CHOOSE!! CAN CLOSE FAST! Top-tier schools, NO CDD & wonderful amenities set this one apart, along with several upgrades you'll love to call this one home! 4 true bedrooms with 2.5 baths, tall ceilings, plantation shutters & hot tub (can convey) on screened lanai overlooking green space. Hardwood flooring & tile in main areas including primary bedroom & remodeled baths. Large, walk-in closet offers abundant storage. All new windows are great for energy efficiency & a light/bright kitchen was recently remodeled from top to bottom with dove tail moldings, tile backsplash, SS appls, white quartz & modern style pendants. Eat in kitchen/dining room makes entertaining a breeze. Central to the home is the inviting great room & reading nook for all to gather. Fantastic community located close to the beach & activities, Sawgrass TPC, Publix, dining/retail & easy access to 95-US1 just west over the Palm Valley bridge.
Next steps in Sawmill Lakes
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).
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
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 1999)
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: ~1,695 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.
Around this address
Nearby, from public data
The closest public beach, park, water access, league fields and grocery store from this home's location.
Closest beach parking
Mickler's Landing Beachfront Park8 min drive · 202 parking spaces
Closest park or preserve
Nocatee Preserve10 min drive · 2,378 acres
Closest public boat ramp
Palm Valley Public Landingabout 0.6 mi · Tolomato River
Closest kayak & paddleboard launch
Nocatee Trail Paddlecraft Launch at Palm Valley Bridgeabout 0.6 mi · Intracoastal Waterway
Closest youth league fields
Cornerstone Park10 min drive · Baseball
Closest grocery store
Publix4 min drive · 3777 Palm Valley Rd, Ponte Vedra
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2024 | $565,606 | $308,235 | — |
| 2023 | $553,274 | $297,801 | — |
| 2022 | $492,943 | $287,671 | — |
| 2021 | $378,618 | $277,836 | — |
| 2020 | $330,216 | $273,310 | — |
2025 property taxes (current owner): $4,777/yr
Estimated taxes if purchased at asking price: ~$11,100/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 (2024), NEFMLS.
History
Price & status history
- Oct 13, 2026Price change$695,000−$10,000
- Sep 28, 2026Price change$705,000−$10,000
- Aug 21, 2026Price change$715,000−$15,000
- Jul 24, 2026Active$730,000
- Jul 21, 2026Price change$730,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Closed sales
What sold nearby
Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $363/sq ft; this home is listed at $314/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 612 W Moss Wood Trace, Ponte Vedra Beach, FL 32082Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS | Jul 2026 | $989,000 | $363 | 4/2.5 | 2,722 | 3 | 0.1 |
| 204 S Mill Ridge Trail, Ponte Vedra Beach, FL 32082Listed by RE/MAX SPECIALISTS | Jun 2026 | $879,500 | $313 | 5/3 | 2,809 | 1 | 0.1 |
| 840 Sawyer Run Lane, Ponte Vedra Beach, FL 32082Listed by LPT REALTY LLC | Oct 2026 | $450,000 | $265 | 3/2 | 1,698 | 8 | 0.4 |
| 224 N Mill View Way, Ponte Vedra Beach, FL 32082Listed by HERRON REAL ESTATE LLC | Jun 2026 | $1,000,000 | $367 | 4/3 | 2,725 | 2 | 0.4 |
| 621 Lake Stone Circle, Ponte Vedra Beach, FL 32082Listed by OCEAN KULTURE REALTY LLC | Jul 2026 | $695,000 | $418 | 3/2 | 1,661 | 48 | 0.5 |
| 641 Lake Stone Circle, Ponte Vedra Beach, FL 32082Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS | Sep 2026 | $839,000 | $320 | 4/2.5 | 2,620 | 2 | 0.6 |
Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: PONTE VEDRA KEY REALTY
Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.
The neighborhood
About Sawmill Lakes
Sawmill Lakes is a neighborhood in Ponte Vedra Beach, FL (St. Johns County), ZIP 32082.
View all Sawmill Lakes homes for sale →Keep looking
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For Sale724 Lake Stone CirclePonte Vedra Beach, FL 32082
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Under Contract132 Sawmill Lakes BoulevardPonte Vedra Beach, FL 32082
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Krista Fracke
Broker Associate
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Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines