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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in Marsh Landing, Ponte Vedra Beach — a home near Ponte Vedra High School.

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Active

Active·90 days on market·Marsh Landing

121 Annapolis Lane

Ponte Vedra Beach, FL 32082

$6,000,000$1163/sqftEst. $32,973/mo mortgageMLS# 2157484
5
Beds
5
Baths
5,159
Sq Ft
1997
Built
2.5
Garage
Yes
Pool

4 more homes for sale in Marsh Landing →Search Marsh Landing on the map

FEMA Zone XHOA $330/mo0.41 acresWaterfrontSingle Family Residence2 stories

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About this home

Marsh Landing

An exceptional opportunity to own one of the area's most distinctive waterfront properties. Nestled on one of Harbour Island's most coveted homesites, this waterfront estate offers unparalleled 300 feet of Intracoastal frontage with panoramic views, perfectly positioned at the mouth of the marina, with your private 40' boatslip steps away from the backyard. Designed to embrace its spectacular surroundings, the home is filled with expansive windows that flood the interior with natural light while showcasing the ever-changing waterfront scenery, including breathtaking sunsets. The chef's kitchen is the heart of the home, featuring generous prep space and butler's pantry. Whether hosting intimate gatherings or a grand celebration, the indoor and outdoor spaces are equally inviting. The luxurious upstairs primary suite serves as a peaceful retreat with commanding views of the Intracoastal, while the home's design allows for the future addition of an elevator for enhanced convenience.

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Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.32% · 30yr$32,973
Property taxesest. at asking price, St. Johns County$7,984
HOAbilled quarterly$330
Estimated total, before insurance$41,287/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$53,485/yr · $4,457/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$6,000,000
$1,200,000
Loan Term
Monthly Payment
$32,973
Principal & Interest: $32,973
Property taxes (est.): $7,984
Insurance (est.): $4,000
Estimated Total Monthly
$44,957
*30-year loan at 7.32% APR (avg 30-yr rate 2026-10-22, 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.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Zone X (shaded) — moderate flood risk (0.2% annual chance)

Flood insurance is optional but often inexpensive here — worth pricing.

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: Tile — year not disclosed (home built 1997)

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

Sewer · St Johns County Utilities - accounts · Public water · St Johns County Utilities - water accounts

County records show this parcel on central sewer served by St Johns County Utilities - accounts — no septic system to inspect or maintain.

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

Solar potential: ~1,644 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.

Around this address

Nearby, from public data

The closest public beach, park, water access, league fields and grocery store from this home's location.

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.

Cost to own

Taxes & assessment

YearMarket valueTaxable valueChange
2025$3,946,301$3,946,301—
2024$3,972,207$3,922,207—
2023$4,004,822$3,954,822—
2022$2,957,575$1,207,422▲ $905,648
2021$1,347,926$1,097,656—
2020$924,728$924,728—

2025 property taxes (current owner): $53,485/yr

Estimated taxes if purchased at asking price: ~$95,800/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 (2025), NEFMLS.

History

Price & status history

  • Aug 10, 2026Active$6,000,000
  • Aug 2, 2026Active Under Contract$6,000,000
  • Jul 29, 2026Listed$6,000,000

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 $513/sq ft; this home is listed at $1,163/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
101 Bristol Place, Ponte Vedra Beach, FL 32082Listed by ONE SOTHEBY'S INTERNATIONAL REALTYJun 2026$3,090,000$6005/7.55,152780.1
24624 Harbour View Drive, Ponte Vedra Beach, FL 32082Listed by NON MLS (realMLS)Aug 2026$4,250,000$6404/66,641150.3
24469 Harbour View Drive, Ponte Vedra Beach, FL 32082Listed by MARSH LANDING REALTYJul 2026$1,400,000$3694/3.53,797170.4
24464 Harbour View Drive, Ponte Vedra Beach, FL 32082Listed by PONTE VEDRA & COMPANY REAL ESTATE LLCMay 2026$1,600,000$4315/33,708620.4
350 N Roscoe Boulevard, Ponte Vedra Beach, FL 32082Listed by PONTE VEDRA CLUB REALTY, INC.Jul 2026$2,495,000$5135/4.54,86890.5
188 Clearlake Drive, Ponte Vedra Beach, FL 32082Listed by MARSH LANDING REALTYJun 2026$1,765,000$4495/4.53,92720.6

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

Price$6,000,000
Price / Sq Ft$1,163
Bedrooms5
Bathrooms5.00
Full Baths4
Half Baths2
Square Footage5,159
Acres0.41 acres
Year Built1997
TypeResidential
Sub-TypeSingle Family Residence
StyleSpanish
Property ConditionUpdated/Remodeled
StatusActive
# of Garages2.5
Has PoolYes
Pool FeaturesIn Ground, Heated
Is WaterfrontYes
Gated CommunityYes

School Information

Zone sourceSt. Johns County School District attendance zones, current school year. Zones change; confirm with the district before you rely on one.
Reported elementaryPonte Vedra Rawlings
Reported middleAlice B. Landrum
Reported highPonte Vedra
Reported byThe listing agent, in the MLS. Where it differs from the zone, the zone wins.

Community Information

Address121 Annapolis Lane, Ponte Vedra Beach, FL 32082
Area252-Ponte Vedra Beach-W Of A1A-N Of Solana Rd
SubdivisionMarsh Landing Cc
CityPonte Vedra Beach
CountySt. Johns
StateFL
Zip Code32082
Lot Size17,859.6 sq ft
Parcel Number0524823140
ZoningResidential

Amenities

AmenitiesBasketball Court, Dog Park
UtilitiesPropane
SewerPublic Sewer
Water SourcePublic
ParkingAttached
ViewIntracoastal, Marina
Waterfront TypeIntracoastal

Interior

Interior FeaturesButler Pantry, Entrance Foyer, Kitchen Island, Smart Thermostat, Split Bedrooms, Walk-In Closet(s)
AppliancesGas Range
HeatingCentral
CoolingCentral Air, Multi Units
FlooringStone, Wood
# of Stories2
LevelsTwo
LaundryLower Level, Upper Level
Security24 Hour Security, Gated with Guard
Spa FeaturesIn Ground, Heated

Exterior

Exterior FeaturesBalcony, Boat Slip, Outdoor Shower
Lot DescriptionCorner Lot
RoofTile
ConstructionFrame, Stucco

Additional Information

Date ListedJuly 29, 2026
Days on Market90
HOA Fees$990 / Quarterly
HOA FrequencyQuarterly
HOA NameMarsh Landing Management
Tax Amount$53,485
Tax Year2025
Listing TermsCash, Conventional
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: PONTE VEDRA CLUB REALTY, INC.

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.

The neighborhood

About Marsh Landing

Marsh Landing is a neighborhood in Ponte Vedra Beach, FL (St. Johns County), ZIP 32082.

View all Marsh Landing homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

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.

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20+ years · 500+ closings · NE Florida

Is this home priced right?

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Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

Northeast Florida living

Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines