This home is in Coastal Oaks, Ponte Vedra.

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Active

Active·Listed today·Coastal Oaks

123 Cape Hatteras Drive

Ponte Vedra, FL 32081

$815,000$293/sqftEst. $4,155/moMLS# 2156939

Beds

Baths

2,783

Sq Ft

2015

Built

Garage

Pool

About this home

Coastal Oaks

Five bedrooms inside the gates of Coastal Oaks at Nocatee, a rare find at this price point. This 2,783 sq ft Toll Brothers home features the primary suite plus two additional bedrooms on the main floor, with two bedrooms upstairs perfect for guests or a home office as well as a study/flex room. The open kitchen and living area is designed for entertaining with white cabinetry, stainless appliances, hardwood floors, and a generous breakfast bar. A large screened lanai, two car garage, and three full bathrooms complete this exceptional floor plan. Coastal Oaks stands apart as one of Nocatee's most coveted addresses, offering a 24 hour gated entrance with attendant, private resident only amenities including resort style pools, fitness center, tennis courts, dog park and more, all just steps away. Bikeable to Nocatee Town Center, restaurants, shopping, and the waterpark, and just 15 minutes to the beach. For buyers who want it all, this is the one.

Cost to own

Mortgage calculator

Home Price

$815,000

Down Payment: 20%

$163,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$4,155

Principal & Interest: $4,155

Property taxes (est.): $1,085

Insurance (est.): $543

Estimated Total Monthly

$5,783

*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$4,155

Property taxesest. at asking price, St. Johns County$1,084

HOAbilled quarterly$255

Estimated total, before insurance$5,495/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$11,053/yr · $921/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): $11,053/yr

Estimated taxes if purchased at asking price: ~$13,000/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 2015)

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

Solar potential: ~1,781 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 29, 2026Active$815,000
Jul 24, 2026Listed$815,000

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

Features

Price$815,000

Price / Sq Ft$293

Bedrooms5

Bathrooms3.00

Full Baths3

Square Footage2,783

Total Structure Area2,800 sq ft

Acres0.18 acres

Year Built2015

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Gated CommunityYes

School Information

ElementaryPine Island Academy

MiddlePine Island Academy

HighAllen D. Nease

Community Information

Address123 Cape Hatteras Drive, Ponte Vedra, FL 32081

Area272-Nocatee South

SubdivisionCoastal Oaks

CityPonte Vedra

CountySt. Johns

StateFL

Zip Code32081

Lot Size7,840.8 sq ft

Parcel Number0702911730

ZoningSingle Family

Amenities

AmenitiesPool, Basketball Court, Children's Pool, Clubhouse, Dog Park, Fitness Center, Gated, Jogging Path, Management - Full Time, Park, Playground, Tennis Court(s)

UtilitiesCable Connected, Electricity Connected, Natural Gas Connected, Sewer Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage Door Opener

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, His and Hers Closets, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Smart Home, Smart Thermostat, Split Bedrooms, Walk-In Closet(s)

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

HeatingCentral

CoolingCentral Air, Zoned

FlooringCarpet, Tile, Wood

# of Stories2

LevelsTwo

LaundryGas Dryer Hookup, Washer Hookup

SecurityGated with Guard, Security Gate, Security Lights

Spa FeaturesCommunity