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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in Ponte Vedra Beach — a pool home in Ponte Vedra Beach.

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Sold

Sold·Closed Sep 4, 2026·0 days on market·Recent sales in Ponte Vedra Beach

1246 Neck Road

Ponte Vedra Beach, FL 32082

$2,500,000sold priceListed at $2,500,000 · 100% of asking$590/sqftMLS# 2163546
5
Beds
4.5
Baths
4,236
Sq Ft
1987
Built
8
Garage
Yes
Pool
No HOA1.13 acresWaterfrontSingle Family Residence2 stories

About this home

Ponte Vedra Beach

COMP SALE

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$13,848
Property taxesest. at asking price, St. Johns County$3,327
Estimated total, before insurance$17,174/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$12,558/yr · $1,047/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$2,500,000
$500,000
Loan Term
Monthly Payment
$13,848
Principal & Interest: $13,848
Property taxes (est.): $3,327
Insurance (est.): $1,667
Estimated Total Monthly
$18,841
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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.

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 1987)

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

Solar potential: ~1,491 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

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.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $12,558/yr

Estimated taxes if purchased at asking price: ~$39,900/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.

History

Price & status history

  • Sep 4, 2026Listed$2,500,000

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 $567/sq ft; this home is listed at $590/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
112 Magnolia Hammock Drive, Ponte Vedra Beach, FL 32082Listed by BETTER HOMES & GARDENS REAL ESTATE LIFESTYLES REALTYSep 2026$1,450,000$3825/43,79570.2
137 River Marsh Drive, Ponte Vedra Beach, FL 32082Listed by DOUGLAS ELLIMAN FLORIDAJul 2026$2,570,602$5674/3.54,536250.6
104 Lost Beach Lane, Ponte Vedra Beach, FL 32082Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTYSep 2026$2,225,000$6466/63,4431160.9
281 Plantation Circle S, Ponte Vedra Beach, FL 32082Listed by ONE SOTHEBY'S INTERNATIONAL REALTYAug 2026$3,125,000$6644/4.54,705420.9
134 Muirfield Drive, Ponte Vedra Beach, FL 32082Listed by PONTE VEDRA COASTAL REALTY, INC.Aug 2026$2,600,000$5535/4.54,7021740.9
409 S Lakewood Run Drive, Ponte Vedra Beach, FL 32082Listed by DAVIDSON REALTY, INC.Jul 2026$1,125,000$3325/43,389161.1

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

Price$2,500,000
Price / Sq Ft$590
Bedrooms5
Bathrooms4.50
Full Baths4
Half Baths1
Square Footage4,236
Total Structure Area5,470 sq ft
Acres1.13 acres
Year Built1987
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
Property ConditionUpdated/Remodeled
StatusClosed
# of Garages8
# of Carport Spaces4
Has PoolYes
Pool FeaturesIn Ground, Heated, Salt Water
Is WaterfrontYes

Community Information

Address1246 Neck Road, Ponte Vedra Beach, FL 32082
Area263-Ponte Vedra Beach-W Of A1A-S Of CR-210
SubdivisionDewees Grant
CityPonte Vedra Beach
CountySt. Johns
StateFL
Zip Code32082
Lot Size49,222.8 sq ft
Parcel Number0700300000

Amenities

UtilitiesElectricity Connected, Propane
SewerPrivate Sewer
Water SourcePrivate
ParkingAttached, Garage, RV Access/Parking
Waterfront TypeLake Front, Marsh, River Front

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Central Vacuum, Eat-in Kitchen, Entrance Foyer, Guest Suite, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Primary Downstairs, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Double Oven, Dryer, Microwave, Refrigerator
HeatingCentral
CoolingCentral Air
FlooringTile, Vinyl, Wood
FireplaceYes
# of Fireplaces1
Fireplace FeaturesGas
# of Stories2
LevelsTwo
LaundryIn Unit
Spa FeaturesAbove Ground

Exterior

Patio / PorchAwning(s), Deck, Front Porch, Porch, Rear Porch
RoofShingle
ConstructionBrick, Frame
Road SurfacePaved
Road FrontageCity Street

Additional Information

Date ListedSeptember 4, 2026
Days on Market0
Tax Amount$12,558.23
Tax Year2025
Listing TermsCash, Conventional
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: RE/MAX SPECIALISTS

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.

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Sep 4, 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.

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20+ years · 500+ closings · NE Florida

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Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

Northeast Florida living

Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines