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

1 / 21

Active

Active·Listed today

892 S Harbor Lights Drive

Ponte Vedra, FL 32081

$1,710,000Est. $9,055/moMLS# 2165918

Beds

Baths

Sq Ft

—

Built

—

Garage

Pool

FEMA Zone AEHOA $214/mo1.18 acresWaterfrontUnimproved Land

About this home

Ponte Vedra

Homesite number 8 is available! Build your custom dream home on this 96' front feet intracoastal homesite located in the exclusive gated community of Marsh Harbor with gorgeous eastern exposure and expansive intracoastal to marsh views. This homesite has water views to the East and West with the ICW to the East and a retention pond to the West. A significant advantage for the prospective purchaser is the absence of any specified deadline by which construction of the new residence must commence. Select from one of the approved custom home builders or bring your own, subject to ARB approval. Homesite is 1.18 acres (96' x 511' x 100' x 511). Buildable homesite area is 0.28 acres (80.92' x 145.12'). Just minutes from the beach and convenient access to nearby shops, restaurants, and Nocatee Town Center. Approximately 19 nautical miles to the St. Augustine inlet or Mayport inlet. Low HOA dues currently $2,567.96 annually and a one time capital contribution of $3,851.94.

Cost to own

True monthly cost

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

Principal & interest20% down · 6.95% · 30yr$9,055

Property taxesest. at asking price, St. Johns County$2,275

HOAbilled quarterly$214

Estimated total, before insurance$11,545/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.

Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

Home Price

$1,710,000

Down Payment: 20%

$342,000

Interest Rate: 6.95%

Loan Term

Monthly Payment

$9,055

Principal & Interest: $9,055

Property taxes (est.): $2,275

Insurance (est.): $1,140

Estimated Total Monthly

$12,471

*30-year loan at 6.95% APR (avg 30-yr rate 2026-09-17, 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 AE — high-risk flood zone (Special Flood Hazard Area)

Lenders require flood insurance for financed purchases here.

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: material not specified

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

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.

History

Price & status history

Sep 22, 2026Listed$1,710,000

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

Features

Price$1,710,000

Bedrooms0

Bathrooms0.00

Full Baths0

Acres1.18 acres

TypeLand

Sub-TypeUnimproved Land

StatusActive

Has PoolNo

Is WaterfrontYes

Gated CommunityYes

School Information

ElementaryOcean Palms

MiddleAlice B. Landrum

HighPonte Vedra

Community Information

Address892 S Harbor Lights Drive, Ponte Vedra, FL 32081

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

SubdivisionMarsh Harbor

CityPonte Vedra

CountySt. Johns

StateFL

Zip Code32081

Lot Size51,400.8 sq ft

Lot Dimensions96 x 511 x 100 x 511

Parcel Number0697310080

ZoningResidential

Amenities

AmenitiesPool, Gated

UtilitiesElectricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ViewIntracoastal, Water

Waterfront TypeIntracoastal, Navigable Water, No Fixed Bridges, Ocean Access, River Access

Exterior

Lot DescriptionDead End Street

FencingOther

Road SurfacePaved

Road FrontagePrivate Road

Additional Information

Date ListedSeptember 22, 2026

Days on Market0

HOA Fees$641.99 / Quarterly

HOA FrequencyQuarterly

Listing TermsCash, Conventional

55+ CommunityNo

Listing Courtesy of: KELLER WILLIAMS REALTY ATLANTIC PARTNERS · kmalin63@gmail.com

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.

Keep looking

More homes in Marsh Harbor