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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 Coastal Oaks, Ponte Vedra — a gated community home in St. Johns County.

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Active·46 days on market·Coastal Oaks

194 Cape Hatteras Drive

Ponte Vedra, FL 32081

$695,000$331/sqftEst. $3,850/mo mortgageMLS# 2163667
↓ $24,000 below original list
3
Beds
2
Baths
2,100
Sq Ft
2018
Built
2
Garage
No
Pool

14 more homes for sale in Coastal Oaks →Search Coastal Oaks on the map

FEMA Zone XHOA $255/mo8,712 sqft lotSingle Family Residence1 story

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About this home

Coastal Oaks

Charming and beautifully elevated, this Coastal Oaks home in Nocatee offers an exceptional blend of style, comfort, and thoughtful upgrades. Set on an oversized corner lot with beautiful landscaping and a fenced backyard, the home welcomes you with 10' ceilings, crown molding, plantation shutters, and a gas fireplace. The split 3-bedroom floor plan provides privacy, while the extended primary suite features a tray ceiling and spa-inspired bath with a tiled-to-ceiling shower. The beautifully appointed kitchen is designed for gathering, featuring upgraded cabinetry, granite countertops, farmhouse sink, tile backsplash, and an impressive 15' counter. Tile flooring flows throughout, creating a seamless, polished feel.Step outside to the oversized rear patio and spacious lanai--perfect for relaxing or entertaining. Additional upgrades include a water softener, security system, oversized garage door, premium garage floor coating. Transferrable Warranty! A truly charming home in Coastal Oaks.

Next steps in Coastal Oaks

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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$3,850
Property taxesest. at asking price, St. Johns County$925
HOAbilled quarterly$255
Estimated total, before insurance$5,030/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$6,254/yr · $521/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

$695,000
$139,000
Loan Term
Monthly Payment
$3,850
Principal & Interest: $3,850
Property taxes (est.): $925
Insurance (est.): $463
Estimated Total Monthly
$5,238
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-15, 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.

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.

Outside all hurricane evacuation zones

This location is not in a designated storm-surge evacuation zone.

Roof: Shingle — year not disclosed (home built 2018)

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

Sewer · JEA_Premises point dataset CCB_DESCR like sewer · Public water · JEA_Premises point dataset with CCB_DESC like Water

County records show this parcel on central sewer served by JEA_Premises point dataset CCB_DESCR like sewer — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,795 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 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.

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): $6,254/yr

Estimated taxes if purchased at asking price: ~$11,100/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 21, 2026Price change$695,000−$24,000
  • Sep 5, 2026Listed$719,000

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 $309/sq ft; this home is listed at $331/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
163 Breezy Bay Drive, Ponte Vedra, FL 32081Listed by LOKATIONSep 2026$495,000$3092/21,60490.9
394 Winding Path Drive, Ponte Vedra, FL 32081Listed by WATSON REALTY CORPOct 2026$555,000$2783/22,000391.1
269 Dawes Avenue, Ponte Vedra, FL 32081Listed by PROVIDENCE REALTY, LLCOct 2026$818,151$3414/3.52,399361.1
128 Union Hill Drive, Ponte Vedra, FL 32081Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTYOct 2026$535,000$2643/22,0261351.1
168 Seamark Drive, Ponte Vedra, FL 32081Listed by PROVIDENCE REALTY, LLCSep 2026$650,000$2904/2.52,2391401.1
277 Dawes Avenue, Ponte Vedra, FL 32081Listed by WEEKLEY HOMES REALTYSep 2026$764,691$3193/2.52,399281.1

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$695,000
Price / Sq Ft$331
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage2,100
Acres0.20 acres
Year Built2018
TypeResidential
Sub-TypeSingle Family Residence
StyleTraditional
StatusActive
# of Garages2
Has PoolNo
Is WaterfrontNo
Gated CommunityYes

School Information

Zone sourceSt. Johns County School District attendance zones, current school year. Zones change; confirm with the district before you rely on one.
Reported byThe listing agent, in the MLS. Where it differs from the zone, the zone wins.

Community Information

Address194 Cape Hatteras Drive, Ponte Vedra, FL 32081
Area272-Nocatee South
SubdivisionCoastal Oaks At Nocatee
CityPonte Vedra
CountySt. Johns
StateFL
Zip Code32081
Lot Size8,712 sq ft
Parcel Number0702911820

Amenities

AmenitiesPool, Basketball Court, Clubhouse, Dog Park, Fitness Center, Gated, Park, Pickleball, Playground, Tennis Court(s)
Community FeaturesSidewalks, Restaurant
UtilitiesElectricity Available, Water Available
SewerPublic Sewer
Water SourcePublic
ParkingGarage, Garage Door Opener

Interior

Interior FeaturesBreakfast Bar, Open Floorplan, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Dryer, Electric Oven, Gas Cooktop, Microwave, Refrigerator, Tankless Water Heater, Washer, Water Softener Owned
HeatingCentral
CoolingCentral Air
FlooringTile
FireplaceYes
# of Fireplaces1
Fireplace FeaturesGas
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, In Unit, Washer Hookup
SecurityGated with Guard, Security Gate, Smoke Detector(s)

Exterior

Lot DescriptionCorner Lot
Patio / PorchCovered, Front Porch, Patio
FencingFenced, Back Yard
RoofShingle

Additional Information

Date ListedSeptember 5, 2026
Days on Market40
HOA Fees$766 / Quarterly
HOA FrequencyQuarterly
Tax Amount$6,253.85
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: PONTE VEDRA CLUB REALTY, INC.

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 Coastal Oaks

Coastal Oaks is a neighborhood in Nocatee, FL (St. Johns County), ZIP 32081.

View all Coastal Oaks homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

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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