This home is in Sawmill Lakes, Ponte Vedra Beach — a home near Ponte Vedra High School.
Sold·Closed Sep 28, 2026·2 days on market·Recent sales in Sawmill Lakes·Sawmill Lakes
641 Lake Stone Circle
Ponte Vedra Beach, FL 32082
6 more homes for sale in Sawmill Lakes →Search Sawmill Lakes on the map
About this home
Sawmill Lakes
Welcome to this beautifully remodeled and meticulously maintained home in desirable Sawmill Lakes! From the moment you step inside, you'll appreciate the stylish finishes and thoughtful updates throughout. Gorgeous LVP flooring flows seamlessly through the home, while the beautifully updated kitchen opens to spacious living areas ideal for everyday living and entertaining. Upstairs, the impressive primary suite is a true retreat, offering plenty of space for a sitting area, home office or both. The stunning spa-inspired primary bath features double white oak vanities, quartz countertops, a freestanding soaking tub, an oversized shower with seamless glass, and an expansive walk-in closet. Three additional generously sized bedrooms offer a beautifully remodeled full bath with double sinks. The upstairs laundry completes the second floor. Step outside to an exceptionally private, beautifully landscaped backyard with plenty of room to add a pool.
Next steps in Sawmill Lakes
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).
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 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: ~1,699 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 September 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.
Closest beach parking
Mickler's Landing Beachfront Park8 min drive · 202 parking spaces
Closest park or preserve
Nocatee Preserve10 min drive · 2,378 acres
Closest public boat ramp
Palm Valley Public Landingabout 1 mi · Tolomato River
Closest kayak & paddleboard launch
Nocatee Trail Paddlecraft Launch at Palm Valley Bridgeabout 1 mi · Intracoastal Waterway
Closest youth league fields
Cornerstone Park10 min drive · Baseball
Closest grocery store
Publix4 min drive · 3777 Palm Valley Rd, Ponte Vedra
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
2025 property taxes (current owner): $4,717/yr
Estimated taxes if purchased at asking price: ~$13,400/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.
History
Price & status history
- Sep 28, 2026Closed$839,000
- Sep 9, 2026Active Under Contract$839,000
- Sep 4, 2026Active$839,000
- Sep 3, 2026Listed$839,000
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 $363/sq ft; this home is listed at $320/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 317 S Mill View Way, Ponte Vedra Beach, FL 32082Listed by COLDWELL BANKER VANGUARD REALTY | Jul 2026 | $1,000,000 | $300 | 5/3.5 | 3,333 | 50 | 0.3 |
| 409 S Lakewood Run Drive, Ponte Vedra Beach, FL 32082Listed by DAVIDSON REALTY, INC. | Jul 2026 | $1,125,000 | $332 | 5/4 | 3,389 | 16 | 0.4 |
| 124 Mill Cove Lane, Ponte Vedra Beach, FL 32082Listed by WATSON REALTY CORP | Aug 2026 | $845,000 | $363 | 4/3 | 2,329 | 46 | 0.6 |
| 612 W Moss Wood Trace, Ponte Vedra Beach, FL 32082Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS | Jul 2026 | $989,000 | $363 | 4/2.5 | 2,722 | 3 | 0.6 |
| 17 Palm Lane, Ponte Vedra Beach, FL 32082Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY | Aug 2026 | $1,625,000 | $538 | 5/3.5 | 3,018 | 94 | 0.7 |
| 447 W Mill Chase Court, Ponte Vedra Beach, FL 32082Listed by MARSH LANDING REALTY | Jul 2026 | $1,050,000 | $309 | 5/4 | 3,393 | 40 | 0.8 |
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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: KELLER WILLIAMS REALTY ATLANTIC PARTNERS
Sold by: KELLER WILLIAMS REALTY ATLANTIC PARTNERS (buyer's brokerage)
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 Sawmill Lakes
Sawmill Lakes is a neighborhood in Ponte Vedra Beach, FL (St. Johns County), ZIP 32082.
View all Sawmill Lakes homes for sale →Keep looking
More homes in Sawmill Lakes
For Sale257 North Mill View WayPonte Vedra Beach, FL 32082
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$795,000Est. $4,231/moLOCATION, LIFESTYLE & AMENITES! Welcome to 257 N Mill View Way, a move-in ready, light and bright 4-bedroom, 2-bath…
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Under Contract132 Sawmill Lakes BoulevardPonte Vedra Beach, FL 32082
4 bd · 3 ba · 2,797 sq ft
$969,000Est. $5,157/moExceptionally well maintained Arvida Model Home in Sawmill Lakes. Pavered courtyard driveway welcomes you to this 4bd,…
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For Sale517 E Moss Wood TracePonte Vedra Beach, FL 32082
4 bd · 2.5 ba · 2,211 sq ft
$695,000Est. $3,699/moPRICE REDUCED & SELLER OFFERING $5000 BUYER INCENTIVE TO USE AS YOU CHOOSE!! CAN CLOSE FAST! Top-tier schools, NO CDD &…
Listing Office: ponte vedra key realty
For Sale816 Sawyer Run LanePonte Vedra Beach, FL 32082
4 bd · 2 ba · 1,798 sq ft
$625,000Est. $3,327/moBEST VALUE IN SAWMILL LAKES! Beautifully renovated and move-in ready, this 4-bedroom, 2-bath home at 816 Sawyer Run…
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Sep 28, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.
Text Krista about this saleHomes for sale nearby →20+ years · 500+ closings · NE Florida
Is this home priced right?
Ask Krista and she'll email you her read on how this price compares with recent sales nearby.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines