This home is in Sawgrass, Ponte Vedra Beach.

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Active

Active·Listed today·Sawgrass

183 Water Oak Drive

Ponte Vedra Beach, FL 32082

$1,699,000$574/sqftEst. $8,663/moMLS# 2156712

Beds

Baths

2,959

Sq Ft

1984

Built

Garage

Yes

Pool

About this home

Sawgrass

Completely reimagined and rebuilt down to the studs, this exceptional one-level waterfront pool home blends luxury, comfort, and functionality. A brand-new paver circular driveway welcomes you to this beautifully renovated residence featuring a 3-car garage, 3 spacious bedrooms with en-suite baths plus a private office or 4th bedroom. Vaulted ceilings and expansive windows fill the home with natural light while framing breathtaking water views. The gourmet eat-in kitchen boasts custom cabinetry, abundant storage, premium finishes, and seamlessly opens to the main living space, making it ideal for everyday living and entertaining. A stylish wet bar with an additional dishwasher and wine refrigerator adds convenience for hosting, while the mudroom off the garage keeps everything organized. Step outside to your waterfront oasis featuring a pool, dedicated pool bath, and tranquil views. Complimentary membership initiation to The Yards for golf, pickleball, & tennis is included w/purchase.

Cost to own

Mortgage calculator

Home Price

$1,699,000

Down Payment: 20%

$339,800

Interest Rate: 6.58%

Loan Term

Monthly Payment

$8,663

Principal & Interest: $8,663

Property taxes (est.): $2,261

Insurance (est.): $1,133

Estimated Total Monthly

$12,056

*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$8,663

Property taxesest. at asking price, St. Johns County$2,261

HOAbilled semi-annually$163

Estimated total, before insurance$11,086/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$7,967/yr · $664/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): $7,967/yr

Estimated taxes if purchased at asking price: ~$27,100/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.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

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

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — year not disclosed (home built 1984)

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

Solar potential: ~1,381 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

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 23, 2026Listed$1,699,000

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

Features

Price$1,699,000

Price / Sq Ft$574

Bedrooms4

Bathrooms4.00

Full Baths3

Half Baths2

Square Footage2,959

Acres0.36 acres

Year Built1984

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionUpdated/Remodeled

StatusActive

# of Garages3

Has PoolYes

Pool FeaturesIn Ground, Fenced, Salt Water

Is WaterfrontYes

Gated CommunityYes

School Information

ElementaryPonte Vedra Rawlings

MiddleAlice B. Landrum

HighPonte Vedra

Community Information

Address183 Water Oak Drive, Ponte Vedra Beach, FL 32082

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

SubdivisionSawgrass Players Club

CityPonte Vedra Beach

CountySt. Johns

StateFL

Zip Code32082

Lot Size15,681.6 sq ft

Parcel Number0622850830

ZoningResidential

Amenities

AmenitiesPool, Basketball Court, Dog Park, Gated, Jogging Path, Maintenance Grounds, Park, Playground, Security

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Circular Driveway, Garage, Garage Door Opener

ViewPond, Water

Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Built-in Features, Ceiling Fan(s), Central Vacuum, Eat-in Kitchen, Entrance Foyer, Guest Suite, His and Hers Closets, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Vaulted Ceiling(s), Walk-In Closet(s), Wet Bar

AppliancesDishwasher, Double Oven, Dryer, Electric Oven, Electric Water Heater, Freezer, Induction Cooktop, Microwave, Refrigerator, Washer, Water Softener Owned, Wine Cooler

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringTile, Wood

FireplaceYes

# of Fireplaces1

Fireplace FeaturesElectric

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Sink, Washer Hookup

SecurityGated with Guard, Security Gate, Security System Owned, Smoke Detector(s)