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

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Active

Active·1 day on market·Old Ponte Vedra

531 Lake Road

Ponte Vedra Beach, FL 32082

$5,310,000$1170/sqftEst. $27,327/moMLS# 2159951

Beds

Baths

4,539

Sq Ft

1978

Built

Garage

Yes

Pool

About this home

Old Ponte Vedra

A Hamptons-inspired beach house on one of Ponte Vedra Beach's most distinctive waterfront settings. 531 Lake Road is one of just 31 homes on an intimate, bridge-accessed island in the heart of Old Ponte Vedra. Set on nearly half an acre, this five-bedroom, four-and-a-half-bath home offers approximately 4,539 square feet with an expansive pool, broad lawn, private dock, and water views. White-painted brick and cedar shake set the tone, while Brazilian walnut floors, soaring ceilings, and exposed beams create relaxed sophistication inside. The family room with Isokern fireplace opens toward the outdoor living areas. The chef's kitchen features an oversized marble island, 8-burner Thermador range, Sub-Zero refrigeration and walk-in pantry. Outside, a substantial covered living area and Lynx outdoor kitchen overlook the pool, lawn, and water. A first-floor primary suite, flexible living spaces, and a new roof in 2025 complete this exceptional coastal retreat.

Cost to own

Mortgage calculator

Home Price

$5,310,000

Down Payment: 20%

$1,062,000

Interest Rate: 6.67%

Loan Term

Monthly Payment

$27,327

Principal & Interest: $27,327

Property taxes (est.): $7,066

Insurance (est.): $3,540

Estimated Total Monthly

$37,933

*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$27,327

Property taxesest. at asking price, St. Johns County$7,066

Estimated total, before insurance$34,393/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$17,557/yr · $1,463/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): $17,557/yr

Estimated taxes if purchased at asking price: ~$84,800/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, NEFMLS.

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 — 2025 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

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: ~1,757 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 13, 2026Listed$5,310,000

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

Features

Price$5,310,000

Price / Sq Ft$1,170

Bedrooms5

Bathrooms4.50

Full Baths4

Half Baths1

Square Footage4,539

Acres0.45 acres

Year Built1978

TypeResidential

Sub-TypeSingle Family Residence

StyleTraditional

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolYes

Pool FeaturesIn Ground, Salt Water

Is WaterfrontYes

School Information

ElementaryPonte Vedra Rawlings

MiddleAlice B. Landrum

HighPonte Vedra

Community Information

Address531 Lake Road, Ponte Vedra Beach, FL 32082

Area251-Ponte Vedra Beach-E Of A1A-N Of Corona Rd

SubdivisionOld Ponte Vedra

CityPonte Vedra Beach

CountySt. Johns

StateFL

Zip Code32082

Lot Size19,602 sq ft

Lot Dimensions100 x 190

Parcel Number0568170030

ZoningResidential

Amenities

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

SewerPublic Sewer

Water SourcePublic

ParkingCircular Driveway, Garage, Garage Door Opener

ViewWater

Waterfront TypeLagoon

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Built-in Features, Central Vacuum, Eat-in Kitchen, Entrance Foyer, Guest Suite, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesConvection Oven, Dishwasher, Disposal, Dryer, Gas Range, Gas Water Heater, Microwave, Refrigerator, Tankless Water Heater, Washer, Water Softener Owned, Wine Cooler

HeatingCentral, Electric, Propane, Zoned

CoolingCentral Air, Varies by Unit, Zoned

FlooringCarpet, Wood

FireplaceYes

# of Fireplaces1

Fireplace FeaturesGas, Wood Burning

# of Stories2

LevelsTwo

LaundrySink