This home is in Sawmill Lakes, Ponte Vedra Beach.
Pending·94 days on market·Sawmill Lakes
403 S Mill View Way
Ponte Vedra Beach, FL 32082
7 more homes for sale in Sawmill Lakes →Search Sawmill Lakes on the map
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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Sawmill Lakes
Completely transformed and renovated inside and out, this stunning Sawmill Lakes home is as close to new construction as you can get--without the wait! Offering 4 bedrooms, 4 baths, and over 3,570 sq. ft., this home has been rebuilt from the studs with designer finishes and exceptional craftsmanship throughout. Soaring ceilings, a delightful eat-in chef's kitchen, separate dining room, dedicated office, and versatile flex space create the perfect setting for entertaining. A huge bonus room with a full bath offers endless possibilities. Situated on a private quarter-acre preserve lot, enjoy a beautifully landscaped backyard with a paver patio and fire pit. A rare opportunity in one of Ponte Vedra Beach's most sought-after communities. Minutes to the beach, shopping, dining, and top-rated St. Johns County schools. Ask about preferred membership opportunities at the Ponte Vedra Inn & Club and The Lodge & Club.
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 1998)
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).
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.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2024 | $770,588 | $428,975 | — |
| 2023 | $767,935 | $414,879 | — |
| 2022 | $687,426 | $405,693 | — |
| 2021 | $529,258 | $392,406 | — |
| 2020 | $520,664 | $386,291 | — |
2025 property taxes (current owner): $6,452/yr
Estimated taxes if purchased at asking price: ~$20,700/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.
History
Price & status history
- Sep 29, 2026Pending$1,299,000
- Aug 30, 2026Active Under Contract$1,299,000
- Aug 3, 2026Price change$1,299,000−$76,000
- Jul 8, 2026Listed$1,375,000
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 $332/sq ft; this home is listed at $364/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 447 W Mill Chase Court, Ponte Vedra Beach, FL 32082Listed by MARSH LANDING REALTY | Jul 2026 | $1,050,000 | $309 | 5/4 | 3,393 | 40 | 0.2 |
| 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 | 0.2 |
| 618 Timber Pond Drive, Ponte Vedra Beach, FL 32082Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST | Jun 2026 | $995,000 | $282 | 6/4 | 3,534 | 1 | 0.2 |
| 317 S Mill View Way, Ponte Vedra Beach, FL 32082Listed by COLDWELL BANKER VANGUARD REALTY | Jul 2026 | $1,000,000 | $300 | 5/3.5 | 3,333 | 50 | 0.3 |
| 409 S Lakewood Run Drive, Ponte Vedra Beach, FL 32082Listed by DAVIDSON REALTY, INC. | Jul 2026 | $1,125,000 | $332 | 5/4 | 3,389 | 16 | 0.4 |
| 146 Whistling Palm Court, Ponte Vedra, FL 32081Listed by PONTE VEDRA CLUB REALTY, INC. | Sep 2026 | $2,260,000 | $585 | 4/5.5 | 3,860 | 26 | 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
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: PONTE VEDRA CLUB REALTY, INC.
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
More homes in Sawmill Lakes
Under Contract132 Sawmill Lakes BoulevardPonte Vedra Beach, FL 32082
4 bd · 3 ba · 2,797 sq ft
$969,000Est. $5,157/moExceptionally well maintained Arvida Model Home in Sawmill Lakes. Pavered courtyard driveway welcomes you to this 4bd,…
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For Sale257 North Mill View WayPonte Vedra Beach, FL 32082
4 bd · 2 ba · 2,445 sq ft
$795,000Est. $4,231/moLOCATION, LIFESTYLE & AMENITES! Welcome to 257 N Mill View Way, a move-in ready, light and bright 4-bedroom, 2-bath…
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For Sale517 E Moss Wood TracePonte Vedra Beach, FL 32082
4 bd · 2.5 ba · 2,211 sq ft
$705,000Est. $3,752/moPRICE REDUCED & SELLER OFFERING $5000 BUYER INCENTIVE TO USE AS YOU CHOOSE!! CAN CLOSE FAST!! Top-tier schools, NO CDD…
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For Sale816 Sawyer Run LanePonte Vedra Beach, FL 32082
4 bd · 2 ba · 1,798 sq ft
$625,000Est. $3,327/moBEST VALUE IN SAWMILL LAKES! Beautifully renovated and move-in ready, this 4-bedroom, 2-bath home at 816 Sawyer Run…
Listing Office: berkshire hathaway homeservices florida network realty
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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
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Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines