This home is in Ponte Vedra Beach — a pool home in Ponte Vedra Beach.
Active·Listed today
628 Miramar Lane
Ponte Vedra Beach, FL 32082
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Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Ponte Vedra Beach
628 Miramar Ln is a 1-story Ponte Vedra Beach home with a screened in-ground pool. The kitchen has wraparound counters and a pass-through to the rear living area, keeping preparation space connected to the rest of the home. A separate front living room and dining area provide flexibility in the layout. The rear bedroom opens toward the pool enclosure through sliding doors, connecting the interior to the outdoor setting. Around the pool, the enclosed deck provides space for outdoor seating, with lawn extending beyond the screen. An attached one-car garage sits beside the curving driveway. Included 100-Day Home Warranty with buyer activation
Next steps in Ponte Vedra Beach
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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
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: Shingle — year not disclosed (home built 1977)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,746 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 homeAs of October 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 and league fields from this home's location.
Closest beach parking
Mickler's Landing Beachfront Parkabout 4 mi · 202 parking spaces
Closest park or preserve
Nocatee Preserveabout 7 mi · 2,378 acres
Closest public boat ramp
Palm Valley Public Landingabout 6 mi · Tolomato River
Closest kayak & paddleboard launch
Huguenot Park Fish Management Area Hand Launchabout 4 mi · Huguenot Lagoon
Closest youth league fields
Cornerstone Parkabout 3 mi · Baseball
Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; 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): $4,489/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
- Oct 16, 2026Listed$696,000
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 $415/sq ft; this home is listed at $433/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 102 Nina Court, Ponte Vedra Beach, FL 32082Listed by COMPASS FLORIDA LLC | Jun 2026 | $675,000 | $415 | 4/2 | 1,626 | 43 | 0.2 |
| 606 Alhambra Lane, Ponte Vedra Beach, FL 32082Listed by 1 PERCENT LISTS FIRST COAST | Jun 2026 | $535,000 | $419 | 3/2 | 1,278 | 26 | 0.2 |
| 167 Bermuda Court, Ponte Vedra Beach, FL 32082Listed by ONE SOTHEBY'S INTERNATIONAL REALTY | Oct 2026 | $404,000 | $346 | 2/2 | 1,169 | 105 | 0.3 |
| 103 Citrus Lane, Ponte Vedra Beach, FL 32082Listed by BEST COAST REALTY LLC | Sep 2026 | $465,000 | $283 | 4/2 | 1,642 | 7 | 0.3 |
| 138 Bermuda Court, Ponte Vedra Beach, FL 32082Listed by HERRON REAL ESTATE LLC | Sep 2026 | $555,000 | $343 | 3/2 | 1,620 | 33 | 0.4 |
| 6029 Bridgewater Circle, Ponte Vedra Beach, FL 32082Listed by 1 REALTY CORP | Sep 2026 | $925,000 | $536 | 3/3 | 1,727 | 2 | 0.4 |
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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: OPENDOOR BROKERAGE, LLC.
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.
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Krista Fracke
Broker Associate
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Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines