This home is in Ponte Vedra Beach — a home near Ponte Vedra High School.
Active·93 days on market
124 Coastal Oak Circle
Ponte Vedra Beach, FL 32082
See it this week
Want to walk through this home this week?
Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.
Call (904) 709-7917 Text Krista
Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Ponte Vedra Beach
East of A1A with BEACH ACCESS. 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 ocean 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. St. Johns County School District is Florida's No. 1 ranked school district. These PVB schools earned an A+ grade. This has been a vacation home for the homeowners, 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. Return from your beach walk & swim to convenient outdoor shower. Owner is in the process of replacing roof. HVAC 8 yrs +/-.
Next steps in Ponte Vedra Beach
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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).
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
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 homeAs 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.
Around this address
Nearby, from public data
The closest public beach, park, water access, league fields and grocery store from this home's location.
Closest beach parking
Mickler's Landing Beachfront Parkabout 4 mi · 202 parking spaces
Closest park or preserve
Nocatee Preserveabout 6 mi · 2,378 acres
Closest public boat ramp
Palm Valley Public Landingabout 5 mi · Tolomato River
Closest kayak & paddleboard launch
Cradle Creek Preserve Kayak Launch (Long Portage!)about 5 mi · Cradle Creek - San Pablo Creek
Closest youth league fields
Cornerstone Parkabout 3 mi · Baseball
Closest grocery store
Publixabout 0.5 mi · 220 Front Street, Ponte Vedra Beach
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.
Sun & Light
North-facing backyard — the shade-and-soft-light lot
The listing reports the home facing south, which puts the backyard on the north side. Today at this address: sunrise 7:35 AM, sunset 6:44 PM.
- The rear stays out of direct sun for most of the day — the coolest lanai orientation in a Florida summer, and the softest, most even light all day.
- Winter afternoons on the lanai run dim earlier than any other orientation.
Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.
Cost to own
Taxes & assessment
2025 property taxes (current owner): $8,684/yr
Estimated taxes if purchased at asking price: ~$14,400/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.
History
Price & status history
- Sep 23, 2026Price change$899,999−$35,001
- Sep 14, 2026Price change$935,000−$15,000
- Jul 24, 2026Listed$950,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Closed sales
What sold nearby
Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $322/sq ft; this home is listed at $498/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 2445 Lorraine Court N, Ponte Vedra Beach, FL 32082Listed by PONTE VEDRA CLUB REALTY, INC. | Oct 2026 | $500,000 | $265 | 3/3 | 1,886 | 58 | 0.3 |
| 109 Colombard Court, Ponte Vedra Beach, FL 32082Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS | Jun 2026 | $665,000 | $422 | 3/2 | 1,574 | 43 | 0.3 |
| 2437 Burgundy Court, Ponte Vedra Beach, FL 32082Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS | Jun 2026 | $500,000 | $310 | 3/2 | 1,612 | 20 | 0.3 |
| 2513 St Michel Court, Ponte Vedra Beach, FL 32082Listed by ONE SOTHEBY'S INTERNATIONAL REALTY | Oct 2026 | $495,000 | $301 | 3/2 | 1,645 | 99 | 0.4 |
| 113 Oak View Circle, Ponte Vedra Beach, FL 32082Listed by PONTE VEDRA CLUB REALTY, INC. | Jul 2026 | $755,000 | $322 | 4/3 | 2,344 | 28 | 0.5 |
| 423 La Reserve Circle, Ponte Vedra Beach, FL 32082Listed by BEACHES REALTY AND MANAGEMENT LLC | Jul 2026 | $580,000 | $341 | 3/2 | 1,701 | 30 | 0.5 |
Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: RE/MAX UNLIMITED
Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.
Keep looking
Similar homes in Ponte Vedra Beach
Explore the area
More in Ponte Vedra Beach
Ponte Vedra Beach guides & reports
Your Local Realtor
Krista Fracke
Broker Associate
Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.
Text Krista about this home20+ years · 500+ closings · NE Florida
Is this home priced right?
Ask Krista and she'll email you her read on how this price compares with recent sales nearby.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines