1534 Harbour Club Dr Drive, Ponte Vedra Beach, FL 32082
Single Family Residence in Club Cove, Ponte Vedra Beach · No CDD on record
Club Cove · Ponte Vedra Beach, FL 32082 · St. Johns County
Listing data checked against the MLS October 31, 2026 at 11:00 AM ET · rechecked hourly
Listed by FLORIDA HOMES REALTY & MTG LLC (MLS) · Page maintained by Momentum Realty (EAB RE Investments LLC) · Brittany Brooks, broker of record
3Bedrooms
3Bathrooms
1,861Sq Ft
2004Year Built
$484Per Sq Ft
Private pool2-car garageNo CDD on recordFEMA Zone X
How to read this page: MLS listing facts carry their source; everything else is labelled as a public record, a calculation, an estimate, or something to verify. Where local data is too thin to support a number, the page says so instead of guessing.
47% above
$/sq ft vs community
$484 here vs $330 median sold (12 mo)
Buyer leverage
Seller-leaning
31 days on market
Zone X
Flood risk
Minimal hazard per FEMA; ~12 ft elevation
$3k–$6k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
1534 HARBOUR CLUB DR Drive in Club Cove, Ponte Vedra Beach is listed at $899,900 (1,861 sq ft, about $484 per sq ft). It has been listed Sep 30, 2026. Listing facts: built in 2004, a private pool. The parcel maps to FEMA flood zone X, outside the special flood hazard area. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
No CDD assessment on record
Built 2004 · 22 yrs
1,861 sq ft of living area
2-car garage
Listed at $899,900 — recent neighborhood median sale price ~$619,500 (nearby sales; deemed reliable, not an appraisal)
listed Sep 30, 2026
Golf course communitySchool district: CDD Schools St. Johns County SchoolsCommunity built 1997–1997Sawgrass Beach Club · 3 min driveInstacart · 6 min driveStarbucks · 6 min drive
Listing description
About this home
This 3 bedroom, 3 bath, pool home is conveniently located within sought-after Sawgrass Country Club - Walk to the Beach! Pool resurfaced, new pool heater and new salt cylinder in 2025. Shark Coating in garage 2025.
Paver Driveway and back courtyard. AC Purification System installed in 2025. New roof in 2022.
All 30 photos
Description provided by FLORIDA HOMES REALTY & MTG LLC and reproduced from the MLS; not independently verified.
Our automated estimate of the likely sale-price range for this home — modeled from recent closed sales nearby adjusted to today's market, a local size-and-age model, and the county tax roll. It is an estimate, not an appraisal, not market value, and not an offer. A licensed agent's CMA sees the condition, the lot, and the live market that a model can't.
$725,100the mess$979,900
Strong local evidence — built from 20 comparable closed sales within about 3 miles (same property type, closed within the last 18 months, each adjusted to today's market); the St. Johns County 2025 tax roll just value ($714,007) × the local sale-to-roll ratio of 40 nearby sales.
Track record: across 2,814 recent closed sales we scored, the closed price landed inside the Messtimate range 57% of the time; median miss 9.5% (closed sales statewide, FL + GA feeds that permit an automated estimate). Re-scored weekly; last 2026-10-29.
Actual list price: $899,900 ($484/sq ft) — the seller's asking price is not an input to this range; compare the two.
A 35% spread on the same house — here is what a model can't see:
Condition & updates — a renovated kitchen or new roof vs. dated finishes can swing value six figures.
The lot & views — a premium golf, water, or preserve lot vs. a road-facing one.
The pool — a private pool carries cost and value the model only sees through the comps.
Carrying costs & concessions — insurance, CDD/HOA and seller-paid buydowns change what a buyer actually pays.
And what the live market is doing right now:
2 active listings competing
Want a property-specific value from a licensed agent? A Momentum Realty agent will do a real, free comparative market analysis — walking the home, the lot, the condition, and the live market.
Methodology: 20th–80th percentile band combining time-adjusted $/sq ft of comparable closed sales (20) + tax-roll just value × local sale-to-roll ratio (40 sales, double weight); MLS closed-sale records and the FL DOR 2025 certified tax roll. Automated valuation model output for general information only — not an appraisal, not market value, not an offer, and not reviewed by a licensed appraiser. Updated October 31, 2026.
How it stacks up
Comparable recent sales
6 closed sales within about 3 miles in the last 18 months — same property type, living area within 30% of this home. Sold prices are MLS closed-sale records, deemed reliable but not guaranteed.
Sold May 2026
$650,000
185 CROSSCOVE Circle, Ponte Vedra Beach
3 / 2 bd/ba · 1,850 sq ft · $351/sq ft
· View details →
Sold Feb 2026
$650,000
252 N ROSCOE Boulevard, Ponte Vedra Beach
3 / 2 bd/ba · 1,838 sq ft · $354/sq ft
· View details →
Sold Oct 2026
$500,000
2445 LORRAINE Court, Ponte Vedra Beach
3 / 3 bd/ba · 1,886 sq ft · $265/sq ft
· View details →
Sold May 2026
$580,000
205 STELLAR Court, Ponte Vedra Beach
3 / 2 bd/ba · 1,890 sq ft · $307/sq ft
· View details →
Sold Jun 2026
$765,000
220 ROYAL PALM Court, Ponte Vedra Beach
3 / 2 bd/ba · 1,829 sq ft · $418/sq ft
· View details →
Sold Aug 2026
$589,000
148 PATRICK MILL Circle, Ponte Vedra Beach
3 / 2 bd/ba · 1,897 sq ft · $310/sq ft
· View details →
Median of these 6 sales: $619,500 ($330/sq ft). Stronger local evidence. Shown for general reference only — not an appraisal or a statement of this home’s value.
Property facts & sources
Every fact, sourced
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
List price$899,900
Bed / bath3 / 3
Living area1,861 sq ft
Year built2004
Property typeSingle Family Residence
Garage2-car
PoolYes
MLS #2150507
Listing statuslisted Sep 30, 2026
Public records & third-party data
FEMA flood zoneZone X
Ground elevation~12 ft
CountySt. Johns
Area listings2 active · 0 under contract
Estimated first-year tax~$7,739/yr
CDD assessmentNone on record
HOANot reported
Calculated estimates
Price per sq ft$484
Estimated monthly payment$5,926
Insurance (illustrative)$3k–$6k/yr
Messtimate range$571,327 – $658,794
Comparable-sales median$619,500
Buyer should verify Buyer verify
Exact HOA dues, fees, and restrictionsRoof age and conditionHVAC age and conditionA property-specific insurance quoteSurvey and lot boundariesPermit historyFlood-insurance requirementsSchool zoning (confirm with the district)Property taxes after sale (homestead reset)CDD / community assessmentsSquare footage and room dimensions
Financing
Estimated monthly payment
$5,926/mo
Principal & interest $4,906/mo83%
Taxes $645/mo11%
Insurance $375/mo6%
$5,926/mo at 20% down, 30-yr @ 7.24% · edit any field to update.
What it really costs to own 1534 Harbour Club Dr Drive
The parts of the monthly number a mortgage calculator leaves out, from this listing's MLS record, the county tax roll, Citizens and FEMA. Property facts only.
Property tax
Buy at the asking price of $899,900 and the first-year bill resets to about $11,600/yr (St. Johns County total millage 13.4686 with homestead, FY2025-26); Save Our Homes caps later increases at 3%/yr.
Home and flood insurance
The average Citizens Property Insurance premium in Saint Johns County is $1,378/yr (977 policies, Citizens detail by county, April 2026); private-market quotes differ by roof age, wind mitigation and distance to the coast. The page's modeled range for this home is $3,000–$6,500/yr; neither is a quote. Flood: this address maps to FEMA zone X, outside the high-risk zone; flood insurance is optional but most lenders and insurers recommend it. Statewide, a zone X flood policy runs about $500–$700/yr (FEMA Risk Rating 2.0 averages, not a quote).
Roof and age
Built in 2004. An original roof would be about 22 years old; under Florida's 2022 reform (SB 2-D) carriers may require an inspection past 15 years, so budget for a roof report and ask for the roof permit date.
Estimated ownership costs
Estimated costs & disclosures
Estimated ownership costs for general information. Confirm each with the county, your lender, and an insurer. See data & estimate notes.
Property tax (first-year est.)
~$7,739/yr
Estimate: a typical St. Johns effective rate applied to the list price before any exemptions. Florida bills change with reassessment, homestead and other exemptions, and local taxing districts — this is not your expected bill. Confirm with the county property appraiser.
CDD assessment
None on record
No CDD assessment appears in our records for this community. CDD assessments show on the county tax bill — confirm with the tax collector.
Insurance (illustrative range)
$3k–$6k/yr
An illustrative modeled range, not based on carrier underwriting and not a quote. Florida premiums vary significantly by roof age, wind-mitigation features, claims history, and carrier — a real quote can land well outside this range. Flood insurance not federally mandated (Zone X). Get a quote from a licensed insurer before relying on any figure.
HOA
Not reported
Not stated in the listing. Confirm with the listing agent or the county record; $0 is used in the payment estimate.
Environmental data
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
FEMA flood zone
Zone X
From the FEMA National Flood Hazard Layer. In this zone lender-required flood insurance is generally not mandated; confirm for the parcel.
Ground elevation
~12 ft
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Windstorm / insurance
Obtain a quote
St. Johns County is on the Florida coast; wind coverage is a major part of the premium. Premiums and coverage vary by home (roof age, wind mitigation, claims history); obtain a quote from a licensed insurer.
County hazard risk ratings (FEMA National Risk Index, county level)
Hazard risk
Natural hazard risk
FEMA National Risk Index for St. Johns County, FL: overall Relatively Moderate. Ratings compare this county with every county in the United States for expected annual loss from each hazard.
HurricaneRelatively High
Coastal floodingRelatively High
Inland floodingRelatively Moderate
Heat waveRelatively Moderate
WildfireRelatively Moderate
TornadoRelatively Moderate
LightningRelatively High
Strong windRelatively Low
DroughtRelatively Low
HailVery Low
Cold waveVery Low
Source: FEMA National Risk Index (county level, hazard risk ratings only). Ratings describe the county, not this parcel; the flood zone shown above is parcel-specific. Verify insurance requirements with your lender and agent.
Internet & broadband — how to check availability for this address
Connectivity
Internet & broadband
Fiber
Check availability
Address-level fiber service is not confirmed for this home. Check the FCC National Broadband Map (broadbandmap.fcc.gov) or the provider for this address.
Cable
Check availability
Cable broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
Fixed wireless / satellite
Check availability
5G home internet and satellite service depend on the exact location; check coverage for this address.
Momentum Research · Club Cove
Pricing & the Club Cove market
How this home is priced against recent nearby sales, and where Club Cove has been over 25 years. Momentum Research analysis of realMLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.
This home’s $/sq ft vs. nearby sales
List $/sq ft against recent nearby closed sales; the community median is marked.
Property timeline
This home’s history
2004BuiltPer public record
Jul 2, 2026First seen on movewithmomentum.comObserved at $899,900
NowActiveCurrently for sale
Build year is from public record. The MLS list date is approximate (today minus the cumulative days on market the MLS reports, which can span relistings). Other milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Transparency
Price & listing history
Listed for $899,900FLORIDA HOMES REALTY & MTG LLC · listed Sep 30, 2026
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
Momentum Scores
Momentum Property Score
40/100
Strongest on: Flood safety (90), Insurance cost (72)
0 limited50100 exceptional
40/100 is below average across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.
A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.
Price vs area0
This home $484/sq ft vs the community 12-month median $330/sq ft.
Affordability0
List price $899,900 vs the community median $619,500. Not a measure of personal affordability.
Flood safety90
FEMA Zone X, ~12 ft elevation. Verify the parcel with FEMA.
Insurance cost72
From FEMA Zone X and a 2004 build. Obtain a property-specific quote.
Coverage: 4 of 8 indicators had valid data for this home; indicators without data are left out, not scored as zero. Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent comparable sales. They do not measure property condition, quality, or investment suitability, and they are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
Momentum Research
The Momentum read
🟡 Asking $484 per square foot, about 47% above the community’s $330 median. Club Cove’s 12-month median sold price per square foot is $330. MLS facts: realMLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
75% of homes in Club Cove are owner-occupied. An estimated 25% are non-owner-occupied, including 16% held in a company or trust and 5% out-of-state owners.Why it matters: a high owner-occupied share typically means fewer rentals nearby and steadier resale demand.Source: Florida Department of Revenue 2025 assessment roll (public records), 63 homes matched. Community-level context.
What’s unique here: a golf-course community, one of only 2 active listings in Club Cove, no CDD assessment.
Checked against the MLS October 31, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
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Listed by FLORIDA HOMES REALTY & MTG LLC · MLS # 2150507
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Keep looking
Similar homes for sale near Club Cove
Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Oct 2026 · Market
St. Johns County denies 4,462-acre Palm Valley farmland housing application under new state enclave law
Commissioners denied 3-2 on Sept. 15 the 4,462-acre Palm Valley application near Nocatee under the state agricultural enclave law, and the county plans to fight it in court. Another proposal of nearly 1,200 acres and about 15,000 homes south of St. Augustine was approved in August, then denied 3-2 on Sept. 28. St. Johns County has received 16 applications under the law.
Why it matters: The outcome of these applications will shape how much new housing supply can be added on rural land in the county. The site is about 2 miles southwest of Club Cove Ponte Vedra.
UF Health Durbin Park 99-bed hospital opens in northern St. Johns County; Baptist Silverleaf adds emergency department
UF Health Durbin Park, a 99-bed hospital with a 24-hour emergency department on 42.5 acres, held its ribbon-cutting and opens the following week. Baptist Health's Silverleaf campus, about 10 miles south, is adding an emergency department, and AdventHealth and Acadia Health have also opened facilities near I-95. The county's population has grown more than 25% since 2020.
Why it matters: New hospital and emergency capacity shortens drive times to emergency care and adds healthcare jobs in northern St. Johns County. The site is about 10 miles southwest of Club Cove Ponte Vedra.
CR 210 widening westbound lanes set to reopen in St. Johns County
News4Jax reported that all westbound lanes of the County Road 210 widening project in St. Johns County were expected to reopen by the end of Friday, July 31, 2026, ahead of the August 10 school year start. The county said it is managing 44 active road projects totaling $183.1 million this year.
Why it matters: Expands roadway capacity on a major county corridor, improving traffic flow and supporting continued growth along the CR 210 area. The project is about 8 miles southwest of Club Cove Ponte Vedra, elsewhere in St. Johns County.
Six agricultural enclave projects seek to develop 6,500-plus acres in St. Johns County
Jacksonville Today reported that St. Johns County received six proposals totaling more than 6,558 acres for development under a new Florida agricultural enclave law that took effect July 1, 2026. The largest proposal, about 4,462 acres north of Nocatee, comes from the Davis family and the PARC Group. The County Commission scheduled a public hearing on the proposals for August 19, 2026.
Why it matters: Signals a large potential expansion of developable land and future housing and commercial capacity, using a new state process that can convert farmland to residential and commercial use with reduced local review. The site is about 7 miles south of Club Cove Ponte Vedra.
See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.
Schools currently assigned to this address in St. Johns County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
PVPV/Rawlings ElementaryPublic K-5 · St. Johns County School District
GRADEA
Alice B. Landrum Middle SchoolPublic 6-8 · St. Johns County School District · Grade A (Florida DOE 2025-26)
GRADEA
Ponte Vedra High SchoolPublic 9-12 · St. Johns County School District · Grade A (Florida DOE 2025-26)
What's nearby
Drive times to everyday places
Approximate driving times to verified nearby destinations. Estimates for general reference; actual times vary with traffic and route.
Groceries
Instacart 6 min
Dining
Sawgrass Beach Club 3 min
Shopping
Tournament Plaza 7 min
Parks
Cornerstone Park 8 min
Nearby & guides
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Items worth confirming for 1534 HARBOUR CLUB DR Drive, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 2004 (22 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
Confirm whether a mandatory HOA applies to this parcel and what it charges.
FEMA flood zone X: flood insurance is not usually required, but get a quote anyway — FEMA reports roughly one in four flood claims come from outside high-risk zones.
Get a homeowners insurance quote for this specific address in St. Johns County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
Private pool: confirm the barrier or alarm meets the state residential pool safety code and ask for pump, heater, and resurfacing records.
Listed living area is 1,861 sq ft: verify it against the property appraiser's record and measure before relying on it.
Order a survey to confirm lot boundaries and easements.
Review permit history with the county.
Property taxes: the estimate on this page (about $7,739/yr) assumes reassessment at the list price; the seller's current bill is not a guide Exemptions and portability change the actual bill — confirm with the county property appraiser.
Confirm school zoning directly with the district.
Provenance
Data sources & freshness
Listing record
realMLS, checked against the MLS hourly (last: October 31, 2026)
Comparable sales
realMLS closed sales within about 3 miles, last 18 months, as of October 30, 2026
Flood zone & elevation
FEMA flood maps + USGS elevation (Zone X shown above)
Taxes & monthly cost
Typical county effective rate applied to the list price; an estimate, not a bill
Insurance figure
Modeled estimate; obtain a real quote before offering
Schools
2025-26 district assignments; verify with the district
Momentum Research lines are our own analysis of realMLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Answered before you ask
Frequently asked questions
How big is 1534 HARBOUR CLUB DR Drive and when was it built?
Per the listing record, 1534 HARBOUR CLUB DR Drive was built in 2004 and has 1,861 sq ft of living area, 3 bedrooms and 3.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 1534 HARBOUR CLUB DR Drive in?
1534 HARBOUR CLUB DR Drive is in Club Cove in Ponte Vedra Beach, St. Johns County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Why might property taxes on 1534 HARBOUR CLUB DR Drive differ from the current owner's?
The estimate on this page (about $7,739 per year) assumes reassessment at the list price less the homestead exemption. Florida reassesses a home after it sells; for a homesteaded seller the Save Our Homes cap on their assessment does not transfer, and a buyer's own exemptions and portability are applied separately, so the two bills usually differ. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 1534 HARBOUR CLUB DR Drive in a flood zone?
The FEMA flood map places this parcel in Zone X, outside the special flood hazard area, so flood insurance is not usually required by a lender. It is still available and worth quoting; confirm the parcel's status with FEMA and your insurer.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
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See 1534 HARBOUR CLUB DR Drive in person
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Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.
Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email jon@movewithmomentum.com and we will review and correct or remove it promptly.
Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply county millage to the list price (less the homestead exemption where the parcel is matched to the certified roll) and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.
No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.
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1 / 1 photosListing courtesy of FLORIDA HOMES REALTY & MTG LLC
Sold price and details are from public records and the MLS, deemed reliable but not guaranteed. Shown for comparison only — not an appraisal or a statement of this home's value.
