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 Turtle Shores, Ponte Vedra Beach — a gated community home in Ponte Vedra Beach.

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Active

Active·Listed today·Turtle Shores

1440 Atlantic Breeze Way

Ponte Vedra Beach, FL 32082

$1,075,000$372/sqftEst. $5,555/moMLS# 2163694

Beds

Baths

2,890

Sq Ft

2005

Built

Garage

Pool

About this home

Turtle Shores

Experience breathtaking 360° panoramic views from sunrise to sunset in this stunning 4-bedroom, 3-bath coastal retreat. An elevator takes you directly to the light-filled top level featuring open living, dining, and kitchen spaces. Step up to the private rooftop deck for sweeping vistas of the Atlantic Ocean, Intracoastal, Guana Preserve, and historic St. Augustine. The second floor hosts three spacious bedrooms and two full baths, while the ground floor offers a private fourth bedroom, third bath, and laundry. Modernized with updated flooring, paint, lighting, and appliances. Nestled in the gated Turtle Shores community--featuring private beach access, pool, tennis, pickleball, gym, and playground with a low HOA fee of $189/mo. Ideally located between Ponte Vedra Beach and St. Augustine, just minutes from Vilano Town Center. Available for purchase or long-term lease. Elevate your lifestyle today!

Cost to own

Mortgage calculator

Home Price

$1,075,000

Down Payment: 20%

$215,000

Interest Rate: 6.71%

Loan Term

Monthly Payment

$5,555

Principal & Interest: $5,555

Property taxes (est.): $1,430

Insurance (est.): $717

Estimated Total Monthly

$7,702

*30-year loan at 6.71% APR (avg 30-yr rate 2026-09-03, 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 · 6.71% · 30yr$5,555

Property taxesest. at asking price, St. Johns County$1,430

HOAbilled monthly$189

Estimated total, before insurance$7,175/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$12,383/yr · $1,032/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): $12,383/yr

Estimated taxes if purchased at asking price: ~$17,200/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.

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 2005)

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

Solar potential: ~1,839 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

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

Sep 5, 2026Listed$1,075,000

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

Features

Price$1,075,000

Price / Sq Ft$372

Bedrooms4

Bathrooms3.50

Full Baths3

Half Baths1

Square Footage2,890

Total Structure Area3,702 sq ft

Acres0.14 acres

Year Built2005

TypeResidential

Sub-TypeSingle Family Residence

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Gated CommunityYes

Direction FacesWest

Community Information

Address1440 Atlantic Breeze Way, Ponte Vedra Beach, FL 32082

Area264-South Ponte Vedra Beach

SubdivisionTurtle Shores

CityPonte Vedra Beach

CountySt. Johns

StateFL

Zip Code32082

Lot Size6,098.4 sq ft

Parcel Number1421462960

Amenities

AmenitiesPool, Beach Access, Clubhouse, Fitness Center, Gated, Management - Off Site, Pickleball, Playground, Tennis Court(s)

UtilitiesElectricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

ViewBeach, Intracoastal, Ocean, Protected Preserve, River, Water

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Elevator, Entrance Foyer, His and Hers Closets, Jack and Jill Bath, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Range, Microwave, Refrigerator, Washer

HeatingCentral, Electric, Heat Pump

CoolingCentral Air, Electric, Multi Units

FlooringStone, Tile

FireplaceYes

# of Fireplaces1

# of Stories3

LevelsThree Or More

LaundryIn Unit, Lower Level

SecuritySecurity Gate, Smoke Detector(s)