This home is in Marsh Harbor, Ponte Vedra — a gated community home in St. Johns County.
Active·45 days on market·Marsh Harbor
210 S Shipwreck Avenue
Ponte Vedra, FL 32081
About this home
Marsh Harbor
ZONED FOR PONTE VEDRA BEACH SCHOOLS - just a short walk or bike ride to Ponte Vedra High! Here's a rare find in Marsh Harbor, a gated Intracoastal enclave with access to the Palm Valley West boat launch. Built in 2005 and thoughtfully renovated top to bottom, this water-view 4BR/3.5BA home is ready for its next owner. White oak LVP flooring runs throughout the open floor plan, and new lighting, paint, and finishes mean there's nothing left to do but move in. The kitchen has been fully redone with quartz counters, gold hardware, a new gas cooktop with a vented hood, new Samsung appliances, a butler's pantry, and a large walk-in pantry. Upstairs, the owner's suite is a quiet retreat with a soaking tub, an oversized shower, and two custom closets. The remaining bedrooms offer generous storage, including a private ensuite and a Jack-and-Jill layout, and every bathroom has been updated with LED vanity mirrors and thoughtful finishes.
Cost to own
Mortgage calculator
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).
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.
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: Shingle — year not disclosed (home built 2005)
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: ~1,727 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 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.
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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
The neighborhood
About Marsh Harbor
Marsh Harbor is a neighborhood in Nocatee, FL (St. Johns County), ZIP 32081.
View all Marsh Harbor homes for sale →Listing Courtesy of: KELLER WILLIAMS REALTY ATLANTIC PARTNERS
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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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
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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines