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 Ponte Vedra Beach — a home near Ponte Vedra High School.

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Active

Active·1 day on market

609 W Surf Spray Lane

Ponte Vedra Beach, FL 32082

$1,450,000$526/sqftEst. $7,478/moMLS# 2157446

Beds

Baths

2,757

Sq Ft

1999

Built

Garage

Pool

About this home

Ponte Vedra Beach

Located east of A1A in the highly sought-after neighborhood of Ponte Vedra By The Sea, this home is tucked away on a quiet cul-de-sac street within walking or biking distance to the beach! Inside, you'll find a bright, spacious floor plan with high ceilings, crown molding and an owner's suite featuring dual walk-in closets and french doors leading to the backyard. Upstairs, an oversized bonus/bedroom with a full bath adds a flexible use space with so many options for a playroom, media room, in-law suite, teen suite, guest room etc. This bonus room can be separated into 2 rooms per original plans. Updates include a newer roof, HVAC, water heater, new carpet, and fresh interior and exterior paint. The home is plumbed for gas cooking, dryer, water heater, fireplace and is ready for your personal touches! Zoned for St. Johns County Schools and close to the beach clubs, restaurants, shopping, library and more! Don't miss this opportunity to live the beach lifestyle you've been dreaming of!

Cost to own

Mortgage calculator

Home Price

$1,450,000

Down Payment: 20%

$290,000

Interest Rate: 6.69%

Loan Term

Monthly Payment

$7,478

Principal & Interest: $7,478

Property taxes (est.): $1,929

Insurance (est.): $967

Estimated Total Monthly

$10,374

*30-year loan at 6.69% APR (avg 30-yr rate 2026-08-06, 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 · 6.69% · 30yr$7,478

Property taxesest. at asking price, St. Johns County$1,929

HOAbilled annually$89

Estimated total, before insurance$9,496/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.

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 1999)

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: ~1,760 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 7, 2026Active$1,450,000
Jul 28, 2026Listed$1,450,000

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

Features

Price$1,450,000

Price / Sq Ft$526

Bedrooms4

Bathrooms3.00

Full Baths3

Square Footage2,757

Acres0.15 acres

Year Built1999

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

School Information

ElementaryPonte Vedra Rawlings

MiddleAlice B. Landrum

HighPonte Vedra

Community Information

Address609 W Surf Spray Lane, Ponte Vedra Beach, FL 32082

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

SubdivisionPonte Vedra By Sea

CityPonte Vedra Beach

CountySt. Johns

StateFL

Zip Code32082

Lot Size6,534 sq ft

Parcel Number0621562513

ZoningResidential

Amenities

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

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Guest Suite, His and Hers Closets, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Dryer, Gas Range, Gas Water Heater, Ice Maker, Microwave, Refrigerator, Washer

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile

FireplaceYes

# of Fireplaces1

Fireplace FeaturesGas

# of Stories2