This home is in Ponte Vedra Beach.

Active

Active·1 day on market

124 Coastal Oak Circle

Ponte Vedra Beach, FL 32082

$950,000$525/sqftEst. $4,844/moMLS# 2156998

Beds

Baths

1,808

Sq Ft

1994

Built

Garage

Pool

About this home

Ponte Vedra Beach

Rare opportunity to own a home in one of Ponte Vedra Beach's most sought-after communities, Seawalk is a coastal enclave of homes with deeded beach access off Ponte Vedra Blvd with a community swimming pool, low HOA, no CDD. Private gate at rear of community provides quick access to shopping & restaurants in Sawgrass Village across A1A. This has been a vacation home for the owners; the perfect easy maintenance beach get-away. One story, 3 bedroom/2 bath, open concept, vaulted ceilings, hardwood floors, crown moldings, fireplace. Large eat-in kitchen with center island. Primary bedroom has separate tub/shower, double sinks, custom walk-in closet. Owner is in the process of replacing roof. HVAC 8 yrs +/-.

Cost to own

Mortgage calculator

Home Price

$950,000

Down Payment: 20%

$190,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$4,844

Principal & Interest: $4,844

Property taxes (est.): $1,264

Insurance (est.): $633

Estimated Total Monthly

$6,741

*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$4,844

Property taxesest. at asking price, St. Johns County$1,264

HOAbilled quarterly$158

Estimated total, before insurance$6,266/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$8,684/yr · $724/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): $8,684/yr

Estimated taxes if purchased at asking price: ~$15,200/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.

Hurricane evacuation zone A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: Shingle — year not disclosed (home built 1994)

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

Sewer · JEA · Public water · JEA_Premises point dataset with CCB_DESC like Water

County records show this parcel on central sewer served by JEA — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,552 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 24, 2026Listed$950,000

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

Features

Price$950,000

Price / Sq Ft$525

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,808

Acres0.12 acres

Year Built1994

TypeResidential

Sub-TypeSingle Family Residence

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Direction FacesSouth

School Information

ElementaryPonte Vedra Rawlings

MiddleAlice B. Landrum

HighPonte Vedra

Community Information

Address124 Coastal Oak Circle, Ponte Vedra Beach, FL 32082

Area261-Ponte Vedra Bch-S Of Corona-E Of A1E/Lake Pv

SubdivisionSeawalk

CityPonte Vedra Beach

CountySt. Johns

StateFL

Zip Code32082

Lot Size5,227.2 sq ft

Parcel Number0621811130

ZoningSingle Family

Amenities

AmenitiesPool, Beach Access

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower

AppliancesDishwasher, Disposal, Dryer, Electric Range, Refrigerator, Washer

HeatingCentral, Electric, Heat Pump

CoolingCentral Air

FlooringCarpet, Tile, Wood

FireplaceYes

# of Fireplaces1

Fireplace FeaturesWood Burning

# of Stories1

LevelsOne