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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 Azalea Point, Ponte Vedra Beach — a gated community home in Ponte Vedra Beach.

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Active·3 days on market·Azalea Point

128 Azalea Point Drive N

Ponte Vedra Beach, FL 32082

$825,000$345/sqftEst. $4,534/mo mortgageMLS# 2170282
4
Beds
2
Baths
2,393
Sq Ft
1994
Built
2
Garage
No
Pool

All Azalea Point homes for sale →Search Azalea Point on the map

FEMA Zone XHOA $182/mo10,019 sqft lotSingle Family Residence1 story

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About this home

Azalea Point

Coastal Elegance Meets Exceptional Living in Azalea Point! Beautifully updated and impeccably maintained, this inviting 4-bedroom, 2-bath residence with a charming four seasons room offers the perfect blend of comfort, style, and coastal living . Pride of ownership is evident throughout, with an updated kitchen and bathrooms, newer lighting in select areas, and new ceiling fans in the bedrooms. Andersen windows, installed 2019 throughout the home with the exception of the Florida room, hot water heater new as of May 25 and water softener 2017 The thoughtfully designed floor plan offers privacy and functionality, with the spacious primary suite tucked away on one side of the home and the secondary bedrooms situated on the opposite side. One of the additional bedrooms is currently configured as a home office, offering flexibility to suit your lifestyle. Seller added four seasons room hence difference in sq footage in tax record

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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 · 7.32% · 30yr$4,534
Property taxesest. at asking price, St. Johns County$1,098
HOAbilled quarterly$182
Estimated total, before insurance$5,813/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,662/yr · $305/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

$825,000
$165,000
Loan Term
Monthly Payment
$4,534
Principal & Interest: $4,534
Property taxes (est.): $1,098
Insurance (est.): $550
Estimated Total Monthly
$6,182
*30-year loan at 7.32% APR (avg 30-yr rate 2026-10-22, 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.

Hurricane evacuation zone B

Zone B evacuates after zone A in an approaching storm.

Roof: Shingle — year not disclosed (home built 1994)

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

Sewer · St Johns County Utilities - accounts · Public water · St Johns County Utilities - water accounts

County records show this parcel on central sewer served by St Johns County Utilities - accounts — no septic system to inspect or maintain.

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

Solar potential: ~1,724 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 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, 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): $3,662/yr

Estimated taxes if purchased at asking price: ~$13,200/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.

History

Price & status history

  • Oct 21, 2026Listed$825,000

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 $386/sq ft; this home is listed at $345/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
127 Glen Cove Place, Ponte Vedra Beach, FL 32082Listed by WATSON REALTY CORPAug 2026$855,000$3784/32,259340.1
117 Azalea Point Drive S, Ponte Vedra Beach, FL 32082Listed by REAL BROKER LLCSep 2026$880,000$3034/2.52,9061310.2
113 Osprey Ridge Way, Ponte Vedra Beach, FL 32082Listed by UNITED REAL ESTATE GALLERYSep 2026$875,000$4214/22,079650.2
100 Vedra Landing Court, Ponte Vedra Beach, FL 32082Listed by MARSH LANDING REALTYJul 2026$759,500$3863/21,96980.2
42 Village Walk Drive, Ponte Vedra Beach, FL 32082Listed by ONE SOTHEBY'S INTERNATIONAL REALTYSep 2026$1,000,000$4613/22,16760.3
7 Walkers Ridge Drive, Ponte Vedra Beach, FL 32082Listed by KEARNEY REAL ESTATE SERVICES,Jul 2026$670,000$3653/21,8381040.3

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$825,000
Price / Sq Ft$345
Bedrooms4
Bathrooms2.00
Full Baths2
Square Footage2,393
Acres0.23 acres
Year Built1994
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 elementaryPonte Vedra Rawlings
Reported middleAlice B. Landrum
Reported highPonte Vedra
Reported byThe listing agent, in the MLS. Where it differs from the zone, the zone wins.

Community Information

Address128 Azalea Point Drive N, Ponte Vedra Beach, FL 32082
Area263-Ponte Vedra Beach-W Of A1A-S Of CR-210
SubdivisionAzalea Point
CityPonte Vedra Beach
CountySt. Johns
StateFL
Zip Code32082
Lot Size10,018.8 sq ft
Parcel Number0669010210

Amenities

AmenitiesPool, Children's Pool, Jogging Path, Maintenance Grounds, Park, Pickleball, Playground, RV/Boat Storage, Security, Tennis Court(s)
UtilitiesCable Connected, Electricity Connected, Sewer Connected, Water Connected
Water SourcePublic
ParkingAttached, Garage

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Jack and Jill Bath, Primary Bathroom - Shower No Tub
AppliancesDishwasher, Disposal, Dryer, Electric Oven, Electric Range, Microwave, Refrigerator, Washer
HeatingCentral, Electric
CoolingCentral Air, Electric
FlooringCarpet, Tile
FireplaceNo
# of Fireplaces0
# of Stories1
LevelsOne
LaundryIn Unit
SecurityGated with Guard

Exterior

Patio / PorchDeck, Glass Enclosed
RoofShingle
ConstructionStucco
Road SurfaceAsphalt

Additional Information

Date ListedOctober 21, 2026
Days on Market3
HOA Fees$545 / Quarterly
HOA FrequencyQuarterly
HOA Fee IncludesMaintenance Grounds, Security
Tax Amount$3,662.28
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: 904 FINE HOMES

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 Azalea Point

Azalea Point is a neighborhood in Ponte Vedra Beach, FL (St. Johns County), ZIP 32082.

View all Azalea Point homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.

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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