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 Marsh Harbor, Ponte Vedra — a gated community home in St. Johns County.

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Active

Active·Listed today·Marsh Harbor

99 Estuary Cove

Ponte Vedra, FL 32081

$2,495,000$505/sqftEst. $12,959/moMLS# 2164269

Beds

Baths

4,939

Sq Ft

2026

Built

Garage

Pool

About this home

Marsh Harbor

Brand-new construction in Marsh Harbor with stunning tidal creek, marsh and Intracoastal views! This thoughtfully designed home offers 5 bedrooms, 5.5 baths, office, bonus room, private multi-generational suite and 3-car garage. The dramatic two-story great room features expansive windows capturing the views and opens to a covered lanai and spacious backyard with plenty of room for a pool. The first-floor primary suite showcases beautiful marsh and ICW views, tray ceiling, and spa-inspired bath with expansive shower. The gourmet kitchen features a large center island, butler's pantry and top-of-the-line JennAir appliances. A private multi-generational suite offers flexibility for guests or extended family. Upstairs features a large bonus room and 3 additional bedrooms. A rare opportunity for brand-new construction with incredible views in Marsh Harbor, zoned for Ponte Vedra High School.

Cost to own

Mortgage calculator

Home Price

$2,495,000

Down Payment: 20%

$499,000

Interest Rate: 6.76%

Loan Term

Monthly Payment

$12,959

Principal & Interest: $12,959

Property taxes (est.): $3,320

Insurance (est.): $1,663

Estimated Total Monthly

$17,943

*30-year loan at 6.76% APR (avg 30-yr rate 2026-09-10, 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 · 6.76% · 30yr$12,959

Property taxesest. at asking price, St. Johns County$3,320

HOAbilled quarterly$214

Estimated total, before insurance$16,493/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.

History

Price & status history

Sep 10, 2026Listed$2,495,000

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

Features

Price$2,495,000

Price / Sq Ft$505

Bedrooms5

Bathrooms5.50

Full Baths5

Half Baths1

Square Footage4,939

Year Built2026

TypeResidential

Sub-TypeSingle Family Residence

StatusActive

# of Garages3

Has PoolNo

Is WaterfrontYes

Gated CommunityYes

New ConstructionYes

School Information

ElementaryOcean Palms

MiddleAlice B. Landrum

HighPonte Vedra

Community Information

Address99 Estuary Cove, Ponte Vedra, FL 32081

Area262-Ponte Vedra Beach-W Of A1A-S Of Solana Rd

SubdivisionMarsh Harbor

CityPonte Vedra

CountySt. Johns

StateFL

Zip Code32081

Parcel Number0697310200

ZoningResidential

Amenities

AmenitiesPool, Gated

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage

ViewCanal, Intracoastal, Protected Preserve, Water

Waterfront TypeCreek, Intracoastal, Marsh

Interior

Interior FeaturesButler Pantry, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Guest Suite, In-Law Floorplan, Kitchen Island, Pantry, Primary Bathroom -Tub with Separate Shower, Primary Downstairs, Smart Home, Smart Thermostat, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Double Oven, Gas Cooktop, Ice Maker, Microwave, Refrigerator, Wine Cooler

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile

FireplaceYes

# of Fireplaces1

# of Stories2

LevelsTwo

SecuritySecurity Gate, Smoke Detector(s)