Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in Marsh Landing, Ponte Vedra Beach — a home near Ponte Vedra High School.

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Active Under Contract

Active Under Contract·45 days on market·Marsh Landing

145 Deer Cove Drive

Ponte Vedra Beach, FL 32082

$1,050,000$341/sqftEst. $5,398/moMLS# 2156020

Beds

Baths

3,077

Sq Ft

1998

Built

Garage

Pool

About this home

Marsh Landing

Contemporary Elegance in Marsh Landing! This custom designed residence captures sweeping waterfront views & breathtaking sunsets through dramatic floor-to-ceiling windows. This home offers refined living spaces w/ a flowing floor plan that features a formal LR & DR that seamlessly transitions to a chef's kitchen w/ breakfast nook, overlooking the family room w/ a cozy gas fireplace. Open the patio doors to enjoy the breeze on a spacious, covered lanai overlooking the lagoon. Primary suite has a wonderful tray ceiling w/ access to lanai. A 2nd suite or study/office w/ private bath is also located on the main floor. Upstairs, find 2 additional bedrooms w/ a versatile playroom/office/media room in between. Additional features: solid wood doors throughout, gas package (stovetop, fireplace, patio grill, dryer (gas or electric), water heater (gas or electric). Oversized 2 car garage w/ 10' ceilings. Roof & HVAV new in 2021. Conveniently located

Cost to own

Mortgage calculator

Home Price

$1,050,000

Down Payment: 20%

$210,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$5,398

Principal & Interest: $5,398

Property taxes (est.): $1,397

Insurance (est.): $700

Estimated Total Monthly

$7,495

*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$5,398

Property taxesest. at asking price, St. Johns County$1,397

HOAbilled quarterly$330

Estimated total, before insurance$7,125/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$9,166/yr · $764/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
2025	$655,740	$655,740	—
2024	$740,619	$740,619	—
2023	$754,516	$754,516	—
2022	$690,022	$690,022	—
2021	$553,797	$553,797	—
2020	$558,783	$558,783	—

2025 property taxes (current owner): $9,166/yr

Estimated taxes if purchased at asking price: ~$16,800/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 (2025), 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: material not specified — 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).

Solar potential: ~1,744 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

Aug 9, 2026Active Under Contract$1,050,000
Jul 18, 2026Listed$1,050,000

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

Features

Price$1,050,000

Price / Sq Ft$341

Bedrooms4

Bathrooms3.50

Full Baths3

Half Baths1

Square Footage3,077

Acres0.26 acres

Year Built1998

TypeResidential

Sub-TypeSingle Family Residence

StyleContemporary

StatusActive Under Contract

# of Garages2

Has PoolNo

Is WaterfrontYes

School Information

ElementaryPonte Vedra Rawlings

MiddleAlice B. Landrum

HighPonte Vedra

Community Information

Address145 Deer Cove Drive, Ponte Vedra Beach, FL 32082

Area252-Ponte Vedra Beach-W Of A1A-N Of Solana Rd

SubdivisionMarsh Landing at Sawgrass

CityPonte Vedra Beach

CountySt. Johns

StateFL

Zip Code32082

Lot Size11,325.6 sq ft

Parcel Number0544240400

Amenities

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Garage Door Opener

ViewPond

Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Guest Suite, Kitchen Island, Pantry, Primary Bathroom -Tub with Separate Shower, Walk-In Closet(s)

AppliancesElectric Oven, Gas Cooktop, Microwave

HeatingCentral, Heat Pump

CoolingCentral Air

FireplaceYes

# of Fireplaces1

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, Gas Dryer Hookup, In Unit, Lower Level, Washer Hookup

Security24 Hour Security, Security Gate