Pending Single Family Residence
$2,650,000
5-Bedroom Home in South Ponte Vedra Beach

2643 S Ponte Vedra Boulevard, Ponte Vedra Beach, FL 32082

Single Family Residence in South Ponte Vedra Beach · No CDD on record
South Ponte Vedra Beach · Ponte Vedra Beach, FL 32082 · St. Johns County
Listing data updated October 3, 2026 · refreshed hourly
5Bedrooms
3Bathrooms
3,245Sq Ft
1976Year Built
$817Per Sq Ft
Waterfront2-car garageNo CDD on recordFEMA Zone X5 bedrooms
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.
3% above
$/sq ft vs community
$817 here vs $797 median sold (12 mo)
Buyer leverage
Buyer advantage
465 days on market
Zone X
Flood risk
Minimal hazard per FEMA; ~12 ft elevation
$12k–$25k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.

Sources: realMLS (listings + 12-mo closed sales), FEMA, modeled insurance. Interpretation: Momentum Research. Data notes

Highlights

As of October 3, 2026, 2643 S PONTE VEDRA Boulevard in South Ponte Vedra Beach, Ponte Vedra Beach is listed at $2,650,000 (3,245 sq ft, about $817 per sq ft). That is 17% above South Ponte Vedra Beach's median closed sale of $2,261,000 over the last 12 months (8 recorded sales). It has been 465 days on market, longer than the community's typical 37 days to contract. Listing facts: built in 1976, waterfront, no HOA. 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 1976 · 50 yrs
  • 3,245 sq ft of living area
  • 2-car garage
  • 465 days on market
  • No HOA reported by the listing (confirm)
Listing description

About this home

Situated along the Atlantic Ocean coastline, this exquisite 5-bedroom, 3-bathroom oceanfront retreat offers 3,245 square feet of beautifully reimagined living space, perfectly positioned along the Atlantic Ocean with sweeping views of the Guana Preserve to the west. Thoughtfully redesigned and recently renovated including a new roof in 2025, this coastal gem showcases high-end finishes, quality craftsmanship, and an effortless blend of elegance and comfort. From sunrise over the ocean to sunset over the preserve, every detail is designed to immerse you in the luxury of beachside living.

As you arrive, a private pass through porch leads to the sand, while expansive porches and decks invite you to relax to the sound of waves and sea breezes. The main living level is located on the second floor, where a vaulted ceiling and stunning fireplace anchor the spacious living room, creating an airy, inviting space for gatherings and everyday relaxation. The open-concept kitchen features granite countertops, stainless steel appliances, and plenty of cabinets for storage.

Also on the second floor are three bedrooms, including the luxurious primary suite. Wake up everyday to gorgeous ocean views. The spa-inspired primary bath includes a tiled walk-in shower and split vanities.

Two additional guest bedrooms and a full guest bath round out this floor, offering ample space and comfort for family or visitors. Downstairs, the first floor offers a flexible and private layout ideal for guests or multi-generational living. It includes a spacious family room with a kitchenette, two additional bedrooms, and a full bathroom.

This level has its own entrance and direct access to the beach, providing ultimate convenience and privacy. Luxury vinyl floors run throughout, creating a warm and cohesive flow. The breezeway attached 2 car garage is perfect for your vehicles or all the beach toys!

This home is a true oceanfront sanctuary located just minutes from Ponte Vedra, Vilano Beach, and the heart of historic St. Augustine. Enjoy world-class dining, shopping, and recreationclose to everything, yet tucked away in your own slice of paradise.

Whether you're looking for a peaceful getaway, an investment or an entertainer's dream, this home delivers the very best of luxury coastal living. Welcome to paradise!

All 66 photos

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Description provided by KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINE and reproduced from the MLS; not independently verified.

Listing courtesy of KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINEProvided via the realMLS Internet Data Exchange · © 2026 Northeast Florida MLS, Inc. · deemed reliable but not guaranteed
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$2,650,000
Bed / bath5 / 3
Living area3,245 sq ft
Year built1976
Property typeSingle Family Residence
Garage2-car
MLS #2080036
Listing statusPending

Public records & third-party data

FEMA flood zoneZone X
Ground elevation~12 ft
CountySt. Johns
Estimated first-year tax~$35,025/yr
CDD assessmentNone on record
HOANone reported

Calculated estimates

Price per sq ft$817
Estimated monthly payment$18,862
Insurance (illustrative)$12k–$25k/yr
Comparable-sales median$2,261,000

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

$18,862/mo
  • Principal & interest $14,505/mo 77%
  • Taxes $2,919/mo 15%
  • Insurance $1,438/mo 8%

$18,862/mo at 20% down, 30-yr @ 7.28% · edit any field to update.

Editable estimate — not a loan offer. Estimates only; see data & estimate notes.

Cost to own

Property taxes

✓ Certified county tax roll
Estimated property taxes after purchase
$35,025/yr
≈ $2,919/mo·effective rate ~1.32%
Estimate: asking price less the $50,000 homestead exemption × St. Johns County rate (13.47 mills, adopted 2025 millage). Not a bill.
⚠️

Property taxes in Florida are reassessed after a sale, so a buyer’s first full-year bill can be higher than the seller’s. Budget from this estimate, not the current bill, before you make an offer.

Current owner’s estimated bill $23,850/yr ($1,988/mo) — taxable value $1,770,589 × 13.47 mills
$11,175 more each year
(+47%)

The current owner’s taxable value is below today’s asking price; after a sale the assessment is set from market value, so the estimated bill is higher. Exemptions and portability can reduce it.

$1,770,589
Market value
$1,770,589
Assessed
$1,770,589
Taxable

Certified 2025 tax roll values for this parcel (Florida DOR). The roll gives values, not the bill; the current owner’s bill above is estimated from the taxable value.

Estimate my property taxes →

Adjust for your exemptions, portability, and down payment

Sources: Florida DOR certified tax roll (2025), realMLS; millage: St. Johns County Property Appraiser, FY2025-26 adopted budget. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill; the county property appraiser and tax collector set the actual amount.

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.

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)
$12k–$25k/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
None reported

The listing reports no HOA. Confirm with the county record that no mandatory association applies.

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.

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.

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.

Property timeline

This home’s history

  • 1976BuiltPer public record
  • About Jun 2025Listed (per MLS)MLS reports 465 cumulative days on market as of October 3, 2026
  • Jul 10, 2026First seen on movewithmomentum.comObserved at $2,195,000
  • Aug 4, 2026Price increase$2,650,000 (+$455,000, +20.7%)
  • NowUnder contractCurrently pending

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 $2,650,000Momentum Realty · on market 465 days
Public records

Building permits

Permit history not yet linkedConfirm permit history with the county building department.
How it stacks up

Comparable recent sales

No closed sales of a similar home within about 10 miles in St. Johns County in the last 18 months are in our MLS data set, so this page shows no comparable-sales median or automated estimate for South Ponte Vedra Beach. A licensed Momentum Realty agent can prepare a property-specific comparative market analysis on request.

The Messtimate™

The Messtimate

Insufficient local evidence for an automated estimate. The Messtimate is a deliberately simple range — living area × recent closed-sale $/sq ft from comparable homes nearby — and it only renders when at least 3 defensible sales exist within about 10 miles in St. Johns County in the last 18 months. None qualify for this home, so no dollar range is shown. It is not an appraisal or a valuation.

Want a property-specific value review? A licensed Momentum Realty agent can prepare a free comparative market analysis using the home, the lot, its condition, and the live market.

Methodology: the range would be 3,245 sq ft × the interquartile $/sq ft of comparable closed sales (same property type, living area within 30%, closed within 18 months, nearest verified subdivision, 3-mile, then 10-mile same-county stage). Estimate for general information only; never an appraisal, valuation, or offer. Updated October 3, 2026.

Momentum Scores

Momentum Property Score

57/100
Strongest on: Flood safety (90), Pricing power (81)
0 limited50100 exceptional

57/100 is solid, mid-pack 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 area44
This home $817/sq ft vs the community 12-month median $797/sq ft.
Affordability21
List price $2,650,000 vs the community median $2,261,000. Not a measure of personal affordability.
Flood safety90
FEMA Zone X, ~12 ft elevation. Verify the parcel with FEMA.
Insurance cost52
From FEMA Zone X and a 1976 build. Obtain a property-specific quote.
Market liquidity70
Community median 38 days on market (12-month record).
Pricing power81
Recent sales closed at about 91.7% of original asking (~8.3% below). More room below asking generally favors buyers.
Market timing41
Momentum Market Heat is 59/100 (normal). Cooler readings generally favor buyers; hotter readings favor sellers.

Coverage: 7 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 $817 per square foot, about 3% above the community’s $797 median. South Ponte Vedra Beach’s 12-month median sold price per square foot is $797. MLS facts: realMLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.

What’s unique here: no CDD assessment.

Jump to: About this home · Every number, sourced · Monthly cost · Flood & risk · History · FAQ

Updated October 3, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness

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Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINE · MLS # 2080036

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or call (904) 351-6461
Keep looking

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Go deeper

More on South Ponte Vedra Beach

Go deeper on South Ponte Vedra Beach

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.

Assigned schools

Assigned schools

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.

GRADEA
Ocean PalmsAssigned elementary school · St. Johns County School District · Grade A (Florida DOE 2025-26)
GRADEA
Alice B. LandrumAssigned middle school · St. Johns County School District · Grade A (Florida DOE 2025-26)
GRADEA
Ponte VedraAssigned high school · St. Johns County School District · Grade A (Florida DOE 2025-26)
Nearby & guides

City, county & community guides

Where this home sits, with links to the matching guides. General reference only.

Before you decide

Buyer research checklist

Items worth confirming for 2643 S PONTE VEDRA Boulevard, chosen from what the record shows. This is general guidance, not advice about this specific property.

  • Built in 1976 (50 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
  • The listing reports no HOA: confirm with the county record that no deed restrictions or mandatory association apply to this parcel.
  • 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.
  • Waterfront: confirm seawall or dock condition and permits, and ask who owns and maintains the shoreline.
  • Listed living area is 3,245 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 $35,025/yr) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $11,175 more per year than the current owner’s estimated bill (+47%). Exemptions and portability change the actual bill — confirm with the county property appraiser.
  • School zoning shown here comes from district data and changes; confirm the assigned schools directly with the district before relying on them.
Provenance

Data sources & freshness

Listing recordrealMLS, refreshed hourly (last: October 3, 2026)
Comparable salesFewer than 3 defensible closed sales within about 10 miles in St. Johns County — no medians or automated estimate shown
Flood zone & elevationFEMA flood maps + USGS elevation (Zone X shown above)
Taxes & monthly costCertified county tax roll (parcel-matched) × county millage; an estimate, not a bill
Insurance figureModeled estimate; obtain a real quote before offering
Schools2025-26 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 2643 S PONTE VEDRA Boulevard and when was it built?

Per the listing record, 2643 S PONTE VEDRA Boulevard was built in 1976 and has 3,245 sq ft of living area, 5 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 2643 S PONTE VEDRA Boulevard in?

2643 S PONTE VEDRA Boulevard is in South Ponte Vedra Beach in Ponte Vedra Beach, St. Johns County. Too few comparable closed sales exist nearby for this page to show local sales statistics; a licensed agent can prepare a comparative market analysis.

Does 2643 S PONTE VEDRA Boulevard have an HOA?

The listing reports no HOA. Confirm with the county record that no deed restrictions or mandatory association apply to the parcel.

Why might property taxes on 2643 S PONTE VEDRA Boulevard differ from the current owner's?

The estimate on this page (about $35,025 per year) assumes reassessment at the list price less the homestead exemption. Estimated buyer taxes are about $11,175 more per year than the current owner’s estimated bill (+47%). 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 2643 S PONTE VEDRA Boulevard 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.

Ready when you are

See 2643 S PONTE VEDRA Boulevard in person

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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.

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 and we will review and correct or remove it promptly.

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.

MLS / IDX. The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange (IDX) program of the Northeast Florida Multiple Listing Service, Inc. Real estate listings held by brokerage firms other than Momentum Realty are marked with the listing broker's name, and detailed information about such listings includes the name of the listing broker. Data provided is deemed reliable but is not guaranteed. The information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Source: realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

Listing data is deemed reliable but is not guaranteed and is subject to change or withdrawal without notice. Square footage and lot size are approximate. Real estate brokerage services provided by Momentum Realty, licensed in Florida and Georgia. © 2026 Move With Momentum LLC.