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 Harbor, Ponte Vedra — a home near Ponte Vedra High School.

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Active

Active·1 day on market·Marsh Harbor

812 Harbor Preserve Court

Ponte Vedra, FL 32081

$1,350,000$377/sqftEst. $6,948/moMLS# 2157416

Beds

Baths

3,584

Sq Ft

2008

Built

Garage

Pool

About this home

Marsh Harbor

Sought-after gated Marsh Harbor community zoned for Ponte Vedra High School with no CDD fees! Situated on a private preserve, cul-de-sac lot overlooking the marsh with room for a pool (buyer to verify). The home features a gourmet kitchen w/ quartz counters, a farmhouse sink, SS appliances, double ovens, & a 5-burner gas range. Rich wood flooring flows throughout the main level, complemented by a formal dining room, breakfast nook, shiplap accent wall in the living room, wainscoting in the foyer, & custom lighting. Relax year-round in the sunroom w/ soaring windows that flood the home w/ natural light. The spacious primary suite offers tray ceilings, a renovated spa-inspired bath w/ a freestanding garden tub, seamless glass walk-in shower, & custom built-ins in his & hers closets. Guest suite w/ a Murphy bed & and renovated ensuite, can be an office or bedroom & a bonus room that can be a 6th bedroom w/ barn doors. Additional upgrades include a new roof & a 1.5-year-old HVAC.

Cost to own

Mortgage calculator

Home Price

$1,350,000

Down Payment: 20%

$270,000

Interest Rate: 6.67%

Loan Term

Monthly Payment

$6,948

Principal & Interest: $6,948

Property taxes (est.): $1,796

Insurance (est.): $900

Estimated Total Monthly

$9,644

*30-year loan at 6.67% APR (avg 30-yr rate 2026-08-13, 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 · 6.67% · 30yr$6,948

Property taxesest. at asking price, St. Johns County$1,796

HOAbilled quarterly$214

Estimated total, before insurance$8,958/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$7,993/yr · $666/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): $7,993/yr

Estimated taxes if purchased at asking price: ~$21,600/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 AE — high-risk flood zone (Special Flood Hazard Area)

Lenders require flood insurance for financed purchases here.

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 2008)

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: ~1,765 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 August 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 13, 2026Active$1,350,000
Jul 28, 2026Listed$1,350,000

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

Features

Price$1,350,000

Price / Sq Ft$377

Bedrooms6

Bathrooms4.00

Full Baths4

Square Footage3,584

Acres0.27 acres

Year Built2008

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontYes

School Information

ElementaryOcean Palms

MiddleAlice B. Landrum

HighPonte Vedra

Community Information

Address812 Harbor Preserve Court, Ponte Vedra, FL 32081

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

SubdivisionMarsh Harbor

CityPonte Vedra

CountySt. Johns

StateFL

Zip Code32081

Lot Size11,761.2 sq ft

Parcel Number0680130610

Amenities

AmenitiesPool, Basketball Court, Boat Dock, Clubhouse

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected, Propane

Water SourcePublic

ParkingAttached, Garage

Waterfront TypeMarsh

Interior

Interior FeaturesBreakfast Bar, Eat-in Kitchen, Kitchen Island, Primary Bathroom - Tub with Shower, Primary Downstairs, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Disposal, Double Oven, Dryer, Gas Range, Gas Water Heater, Microwave, Refrigerator, Tankless Water Heater, Washer, Water Softener Owned

HeatingCentral, Heat Pump

CoolingCentral Air, Electric

FlooringCarpet, Tile, Wood

# of Stories2

LaundryLower Level, Sink