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This home is in Plantation Oaks, Ponte Vedra Beach — a waterfront home in Ponte Vedra Beach.

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Active

Active·1 day on market·Plantation Oaks

441 Clearwater Drive

Ponte Vedra Beach, FL 32082

$1,499,000$476/sqftEst. $7,714/moMLS# 2159335

Beds

Baths

3,152

Sq Ft

2002

Built

Garage

Yes

Pool

About this home

Plantation Oaks

Set on one of the most exceptional lots in Plantation Oaks, 441 Clearwater Drive offers a rare combination of privacy, expansive water views, and spectacular sunsets. Water wraps around the property, and with no neighboring home immediately to the south, the backyard offers a peaceful and private setting. The waterfront setting is also a haven for birdlife, with eagles, herons, and great egrets frequently adding to the natural beauty of the surroundings. Designed to embrace its waterfront location, beautiful views can be enjoyed from the main living areas, pool, and balcony. Inside, the renovated kitchen features natural quartzite countertops and a large center island designed for entertaining. Natural quartzite also surrounds the fireplace, while beautiful solid hardwood floors flow throughout the home.

Cost to own

Mortgage calculator

Home Price

$1,499,000

Down Payment: 20%

$299,800

Interest Rate: 6.67%

Loan Term

Monthly Payment

$7,714

Principal & Interest: $7,714

Property taxes (est.): $1,995

Insurance (est.): $999

Estimated Total Monthly

$10,708

*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$7,714

Property taxesest. at asking price, St. Johns County$1,995

HOAbilled annually$212

Estimated total, before insurance$9,921/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$12,685/yr · $1,057/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): $12,685/yr

Estimated taxes if purchased at asking price: ~$23,900/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 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 B

Zone B evacuates after zone A in an approaching storm.

Roof: Shingle — year not disclosed (home built 2002)

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: ~1,785 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 12, 2026Active$1,499,000
Aug 9, 2026Listed$1,499,000

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

Features

Price$1,499,000

Price / Sq Ft$476

Bedrooms5

Bathrooms3.50

Full Baths3

Half Baths1

Square Footage3,152

Acres0.34 acres

Year Built2002

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

StatusActive

# of Garages3

Has PoolYes

Pool FeaturesIn Ground, Screen Enclosure

Is WaterfrontYes

Gated CommunityYes

School Information

ElementaryOcean Palms

MiddleAlice B. Landrum

HighPonte Vedra

Community Information

Address441 Clearwater Drive, Ponte Vedra Beach, FL 32082

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

SubdivisionPlantation Oaks

CityPonte Vedra Beach

CountySt. Johns

StateFL

Zip Code32082

Lot Size14,810.4 sq ft

Parcel Number0683710230

ZoningResidential

Amenities

AmenitiesPool, Basketball Court, Gated, Pickleball, Playground, Tennis Court(s)

UtilitiesSewer Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached

ViewPond

Waterfront TypePond

Interior

Interior FeaturesKitchen Island, Primary Bathroom -Tub with Separate Shower, Vaulted Ceiling(s)

AppliancesDishwasher, Disposal, Dryer, Electric Cooktop, Electric Oven, Microwave, Refrigerator, Washer, Water Softener Owned

HeatingCentral

CoolingCentral Air

FlooringWood

FireplaceYes

# of Fireplaces1

Fireplace FeaturesGas

# of Stories2

LevelsTwo

LaundryLower Level

Exterior

RoofShingle

ConstructionStucco

Additional Information

Date ListedAugust 13, 2026

Days on Market1

HOA Fees$2,542 / Annually

HOA FrequencyAnnually

HOA Fee IncludesMaintenance Grounds

Tax Amount$12,684.71

Tax Year2025

Listing TermsConventional, FHA, VA Loan

55+ CommunityNo

New ConstructionNo

The neighborhood

About Plantation Oaks

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

View all Plantation Oaks homes for sale →

Listing Courtesy of: PONTE VEDRA CLUB REALTY, INC.

Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).

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Krista Fracke

Broker Associate

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20+ years · 500+ closings · NE Florida

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