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This home is in Coastal Oaks, Ponte Vedra — a pool home in Nocatee.

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Active

Active·44 days on market·Coastal Oaks

485 Old Bluff Drive

Ponte Vedra, FL 32081

$1,798,500$437/sqftEst. $9,246/moMLS# 2155401

Beds

Baths

4,117

Sq Ft

2017

Built

Garage

Yes

Pool

About this home

Coastal Oaks

Welcome to this exceptional estate in the prestigious, gated community of Coastal Oaks at Nocatee. Designed for both everyday living and effortless entertaining, this expansive home offers 6 bedrooms, 4.5 bathrooms, and a private office with plenty of room for everyone. Step inside to soaring ceilings, abundant natural light, and walls of windows that showcase the serene preserve views. The gourmet kitchen is a chef's dream, featuring premium JennAir appliances, a large center island, and a convenient butler's pantry, seamlessly flowing into the spacious living and dining areas. The first-floor primary suite is a private retreat, offering peaceful preserve views, generous proportions, and a luxurious spa-inspired bathroom. Outdoor living is truly unmatched. The expansive covered lanai overlooks a sparkling pool and therapeutic hot tub and is complemented by a fully equipped summer kitchen, outdoor shower, and a spacious backyard with plenty of room to play, relax, or entertain.

Cost to own

Mortgage calculator

Home Price

$1,798,500

Down Payment: 20%

$359,700

Interest Rate: 6.66%

Loan Term

Monthly Payment

$9,246

Principal & Interest: $9,246

Property taxes (est.): $2,393

Insurance (est.): $1,199

Estimated Total Monthly

$12,838

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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 · 6.66% · 30yr$9,246

Property taxesest. at asking price, St. Johns County$2,393

HOAbilled quarterly$255

Estimated total, before insurance$11,895/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$12,020/yr · $1,002/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

2025 property taxes (current owner): $12,020/yr

Estimated taxes if purchased at asking price: ~$28,700/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, NEFMLS.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Zone X — minimal flood hazard

Flood insurance is typically not required by lenders (always optional).

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: Shingle — year not disclosed (home built 2017)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Solar potential: ~1,739 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 30, 2026Price change$1,798,500−$26,500
Jul 15, 2026Listed$1,825,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$1,798,500

Price / Sq Ft$437

Bedrooms6

Bathrooms4.50

Full Baths4

Half Baths1

Square Footage4,117

Total Structure Area5,013 sq ft

Acres0.31 acres

Year Built2017

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionUpdated/Remodeled

StatusActive

# of Garages3

Has PoolYes

Pool FeaturesIn Ground, Salt Water, Screen Enclosure, Waterfall

Is WaterfrontNo

Gated CommunityYes

Direction FacesEast

School Information

ElementaryPine Island Academy

MiddlePine Island Academy

HighAllen D. Nease

Community Information

Address485 Old Bluff Drive, Ponte Vedra, FL 32081

Area272-Nocatee South

SubdivisionCoastal Oaks At Nocatee

CityPonte Vedra

CountySt. Johns

StateFL

Zip Code32081

Lot Size13,503.6 sq ft

Lot Dimensions80' x 170'

Parcel Number0702914560

ZoningSingle Family

Amenities

AmenitiesBasketball Court, Clubhouse, Fitness Center, Gated, Jogging Path, Park, Playground, Trash

UtilitiesElectricity Connected, Natural Gas Connected, Sewer Connected

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

ViewProtected Preserve, Trees/Woods

Interior

Interior FeaturesBuilt-in Features, Butler Pantry, Ceiling Fan(s), Entrance Foyer, Guest Suite, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesConvection Oven, Dishwasher, Disposal, Dryer, Electric Oven, Freezer, Gas Water Heater, Ice Maker, Microwave, Refrigerator, Tankless Water Heater, Washer, Water Softener Owned, Wine Cooler

HeatingCentral, Electric

CoolingCentral Air, Zoned

FlooringCarpet, Tile

FireplaceYes

# of Fireplaces1

# of Stories2

LevelsTwo

LaundryLower Level, Washer Hookup

Security24 Hour Security, Gated with Guard, Security Gate, Smoke Detector(s)

Spa FeaturesHeated, Above Ground, Private