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This home is in Sawmill Lakes, Ponte Vedra Beach.

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Active

Active·45 days on market·Sawmill Lakes

403 S Mill View Way

Ponte Vedra Beach, FL 32082

$1,299,000$364/sqftEst. $6,671/moMLS# 2154277

Beds

Baths

3,570

Sq Ft

1998

Built

Garage

Pool

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.

Cost to own

Mortgage calculator

Home Price

$1,299,000

Down Payment: 20%

$259,800

Interest Rate: 6.65%

Loan Term

Monthly Payment

$6,671

Principal & Interest: $6,671

Property taxes (est.): $1,729

Insurance (est.): $866

Estimated Total Monthly

$9,266

*30-year loan at 6.65% APR (avg 30-yr rate 2026-08-20, 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 · 6.65% · 30yr$6,671

Property taxesest. at asking price, St. Johns County$1,729

HOAbilled semi-annually$139

Estimated total, before insurance$8,538/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$6,452/yr · $538/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	$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.

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 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

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.

Features

Price$1,299,000

Price / Sq Ft$364

Bedrooms4

Bathrooms4.00

Full Baths4

Square Footage3,570

Acres0.24 acres

Year Built1998

TypeResidential

Sub-TypeSingle Family Residence

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Community Information

Address403 S Mill View Way, 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 Size10,454.4 sq ft

Parcel Number0673460360

Amenities

AmenitiesPool, Clubhouse, Playground

UtilitiesCable Available, Electricity Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Garage Door Opener

ViewProtected Preserve, Trees/Woods

Interior

Interior FeaturesBreakfast Bar, Built-in Features, Eat-in Kitchen, His and Hers Closets, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Gas Cooktop

HeatingCentral, Electric

CoolingCentral Air

FlooringTile, Wood

FireplaceYes

# of Fireplaces1

Fireplace FeaturesWood Burning

# of Stories2

LevelsTwo