This home is in Marsh Harbor, Ponte Vedra Beach.

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Active

Active·Listed today·Marsh Harbor

210 S Shipwreck Avenue

Ponte Vedra Beach, FL 32081

$1,239,000$390/sqftEst. $6,317/moMLS# 2157559

Beds

Baths

3,177

Sq Ft

2005

Built

Garage

Pool

About this home

Marsh Harbor

ZONED for PVB SCHOOLS and NO CDD! Here is a rare opportunity in Marsh Harbor, a gated Intracoastal enclave with access to the Palm Valley West Boat launch. Built in 2005 and extensively renovated, this waterview 4 BR, 3.5 bath home blends modern luxury with effortless comfort. Inside, white oak LVP flooring flows throughout the open floor plan, offering expansive living spaces ideal for entertaining. New lighting, paint, and finishes make this easy to move right in! The fully renovated kitchen is a showpiece, featuring quartz countertops, gold hardware, a new gas cooktop with vented hood, new Samsung appliances, a butler's pantry, and a large walk-in pantry. Upstairs, the owner's suite is private and features a spa-inspired soaking tub, a large shower, and dual custom closets. Additional bedrooms offer custom storage, including a private ensuite and J&J layout. Bathrooms have been beautifully updated with LED vanity mirrors and designer finishes.

Cost to own

Mortgage calculator

Home Price

$1,239,000

Down Payment: 20%

$247,800

Interest Rate: 6.58%

Loan Term

Monthly Payment

$6,317

Principal & Interest: $6,317

Property taxes (est.): $1,649

Insurance (est.): $826

Estimated Total Monthly

$8,792

*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$6,317

Property taxesest. at asking price, St. Johns County$1,649

HOAbilled quarterly$214

Estimated total, before insurance$8,180/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$11,220/yr · $935/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

Year	Market value	Taxable value	Change
2025	$831,356	$788,168	—
2024	$716,516	$716,516	—
2023	$842,341	$813,773	—
2022	$739,794	$739,794	—
2021	$478,993	$478,993	—
2020	$470,390	$470,390	—

2025 property taxes (current owner): $11,220/yr

Estimated taxes if purchased at asking price: ~$19,800/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.

Storms & insurance

Florida Reality Check

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

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — year not disclosed (home built 2005)

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

Solar potential: ~1,727 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

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 29, 2026Listed$1,239,000

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

Features

Price$1,239,000

Price / Sq Ft$390

Bedrooms4

Bathrooms3.50

Full Baths3

Half Baths1

Square Footage3,177

Acres0.31 acres

Year Built2005

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Gated CommunityYes

School Information

ElementaryOcean Palms

MiddleAlice B. Landrum

HighPonte Vedra

Community Information

Address210 S Shipwreck Avenue, Ponte Vedra Beach, FL 32081

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

SubdivisionMarsh Harbor

CityPonte Vedra Beach

CountySt. Johns

StateFL

Zip Code32081

Lot Size13,503.6 sq ft

Parcel Number0680130450

Amenities

AmenitiesPool, Clubhouse, Gated, Playground

UtilitiesElectricity Connected, Sewer Connected, Water Connected, Propane

Water SourcePublic

ParkingGarage

ViewPond

Interior

Interior FeaturesButler Pantry, Guest Suite, His and Hers Closets, Jack and Jill Bath, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Walk-In Closet(s)

AppliancesDishwasher, Dryer, Electric Oven, Gas Cooktop, Gas Water Heater, Microwave, Refrigerator, Tankless Water Heater, Washer

HeatingCentral

CoolingCentral Air

FireplaceYes

# of Fireplaces1

Fireplace FeaturesGas

# of Stories2

LevelsTwo

LaundryLower Level, Sink

SecuritySecurity Gate