This home is in Sawmill Lakes, Ponte Vedra Beach.

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Active

Active·Listed today·Sawmill Lakes

517 E Moss Wood Trace

Ponte Vedra Beach, FL 32082

$730,000$330/sqftEst. $3,722/moMLS# 2153915

Beds

Baths

2,211

Sq Ft

1999

Built

Garage

Pool

About this home

Sawmill Lakes

HIDDEN GEM IN A GREAT LOCATION OF PVBCH! Top-tier schools, NO CDD and 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 (AS IS) on screened lanai overlooking a wooded area. Hardwood flooring & tile in main areas including primary bedroom, HUGE closet & remodeled baths. 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. You won't want to miss out!

Cost to own

Mortgage calculator

Home Price

$730,000

Down Payment: 20%

$146,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$3,722

Principal & Interest: $3,722

Property taxes (est.): $971

Insurance (est.): $487

Estimated Total Monthly

$5,180

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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 · 6.58% · 30yr$3,722

Property taxesest. at asking price, St. Johns County$971

HOAbilled semi-annually$139

Estimated total, before insurance$4,832/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,777/yr · $398/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
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: ~$11,700/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.

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 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 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.

Features

Price$730,000

Price / Sq Ft$330

Bedrooms4

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage2,211

Acres0.20 acres

Year Built1999

TypeResidential

Sub-TypeSingle Family Residence

StyleRanch, Traditional

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

School Information

ElementaryOcean Palms

MiddleAlice B. Landrum

HighPonte Vedra

Community Information

Address517 E Moss Wood Trace, Ponte Vedra Beach, FL 32082

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

SubdivisionSawmill Lakes

CityPonte Vedra Beach

CountySt. Johns

StateFL

Zip Code32082

Lot Size8,712 sq ft

Parcel Number0673480040

Amenities

AmenitiesBasketball Court, Park, Pickleball, Playground, Tennis Court(s)

UtilitiesCable Connected, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

ViewTrees/Woods

Interior

Interior FeaturesBreakfast Nook, Ceiling Fan(s), Eat-in Kitchen, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Range, Microwave, Refrigerator, Washer, Water Softener Owned

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringCarpet, Tile, Wood

# of Stories1

LevelsOne

LaundryIn Unit

Spa FeaturesAbove Ground