131 days on marketSingle Family Residence▼ Price cut: $150,000 (8/28)
$1,995,000
6-Bedroom Pool Home in Ponte Vedra By The Sea Estates
309 N Sea Lake Lane, Ponte Vedra Beach, FL 32082
Single Family Residence in Ponte Vedra By The Sea Estates, Ponte Vedra Beach · No CDD
Ponte Vedra By The Sea Estates · Ponte Vedra Beach, FL 32082 · St. Johns
Listing data updated September 24, 2026 · refreshed twice daily
6Bedrooms
4.5Bathrooms
4,345Sq Ft
2002Year Built
$459Per Sq Ft
Private pool3-car garageNo CDDFEMA Zone X6 bedrooms
Momentum Research: independent market analysis, flood data, insurance estimates, buyer leverage, and objective property scoring, alongside the MLS listing. Not just the listing sheet.
4% below
$/sq ft vs community
$459 here vs $477 median sold (12 mo)
Buyer leverage
Strong buyer advantage
131 days on market
12.0 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
Zone X
Flood risk
Minimal hazard per FEMA; ~9 ft elevation
$7k–$15k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
As of September 24, 2026, 309 N SEA LAKE Lane in Ponte Vedra By The Sea Estates, Ponte Vedra Beach is listed at $1,995,000 (4,345 sq ft, about $459 per sq ft). That sits within a few percent of Ponte Vedra By The Sea Estates's median closed sale of $1,800,000 over the last 12 months (2 recorded sales). It has been 131 days on market. Listing facts: built in 2002, a private pool, HOA dues of $82/mo. 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 2002 · 24 yrs
4,345 sq ft of living area
3-car garage
Listed at $1,995,000 — recent neighborhood median sale price ~$1,800,000 (nearby sales; deemed reliable, not an appraisal)
131 days on market
HOA $82/mo (per listing)
School district: CDD Schools St. Johns County SchoolsCommunity built 2002–2003Al's Pizza · 5 min driveSawgrass Hotel Retail Village · 6 min driveBird Island Park · 6 min drive
Momentum Research · Ponte Vedra By The Sea Estates
Pricing & the Ponte Vedra By The Sea Estates market
How this home is priced against recent nearby sales, and where Ponte Vedra By The Sea Estates 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
2002BuiltPer public record
Jul 2, 2026First trackedObserved at $2,195,000
Aug 4, 2026Price cut$2,145,000
Aug 28, 2026Price cut$1,995,000
NowActiveCurrently for sale
Build year is from public record. Listing 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.
Financing
Estimated monthly payment
$12,935/mo
Principal & interest $10,565/mo82%
Taxes $1,430/mo11%
Insurance $859/mo7%
HOA $82/mo1%
$12,935/mo at 20% down, 30-yr @ 6.95% · edit any field to update.
Estimated from today’s asking price and current St. Johns County tax rates.
⚠️
Many first-time Florida buyers are surprised when property taxes jump after closing. This estimate helps you budget before you make an offer.
Current owner pays $13,625/yr ($1,135/mo)
+$12,575 more each year
(+92%)
Most of this comes from Florida’s Save Our Homes assessment cap resetting when the home sells — the current owner’s protected assessment doesn’t transfer to a new buyer.
🛡️
Current ownerProtected by Save Our Homes
🔄
Home sellsResets the January after
🧾
Buyer paysBased on purchase price
$509,277
Save Our Homes benefit
The current owner’s protected taxable value sits this much below market — which is why today’s bill is lower than a new buyer’s.
Sources: Florida DOR certified tax roll (2025), realMLS. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill.
Momentum Scores
Momentum Property Score
56/100
Strongest on: Flood safety (90), Insurance cost (70)
0 limited50100 exceptional
56/100 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 area59
This home $459/sq ft vs the community 12-month median $477/sq ft.
Affordability32
List price $1,995,000 vs the community median $1,800,000. Not a measure of personal affordability.
Flood safety90
FEMA Zone X, ~9 ft elevation. Verify the parcel with FEMA.
Insurance cost70
From FEMA Zone X and a 2002 build. Obtain a property-specific quote.
Market liquidity35
Community inventory, ~12.0 months of supply (12-month record).
Renovation upside47
From a 2002 build and $459/sq ft vs the community median $477/sq ft. Not a condition assessment.
Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent nearby sales. They are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
Momentum Research
The Momentum read
🟢 Buyer-leaning conditions around this listing. 12.0 months of supply in the surrounding market and 131 days on market for this home, against a 116-day area median.Days on market:this home 131Area median: 116 daysWhy it matters: above-median time on market, together with the level of supply, is a clear sign of how much leverage sits with buyers.Momentum Research interpretation of the MLS facts in the snapshot above. Source: Data provided by realMLS. As of August 10, 2026.
🟡 Asking $459 per square foot, about 4% below the community’s $477 median. Ponte Vedra By The Sea Estates’s 12-month median sold price per square foot is $477. Confidence: Low · 2 closed sales in 12 monthsMLS 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: one of only 2 active listings in Ponte Vedra By The Sea Estates, no CDD assessment.
Updated September 24, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Listing description
About this home
THE best values at the beach! East of A1A & just a short walk or bike ride to the ocean(less than 1/2 mile), this exceptional 6-bedroom, 4.5-bath home offers one of the premier homesites in the neighborhood as it's perfectly positioned with a peaceful park setting out front & a private wooded preserve beyond the pool. See photos for possible backyard reconfigurations.
This home is value packed combining generous living spaces & an unbeatable location, truly a rare opportunity in the heart of Ponte Vedra Beach. Thoughtfully designed floor plan with a spacious ground-floor primary suite, dedicated office, & expansive living areas. Upstairs, you'll find 5 additional bedrooms, 3 full baths, & a large secondary gathering space or a media/playroom setup.
Hardwood floors throughout. Step out to a private backyard retreat with screened lanai, sparkling pool, & spa surrounded by a lush preserve a true sense of privacy. Ask about Preferred Membership at The Ponte Vedra Inn & Club & The Lodge.
Tremendous value for its size & location, this home places you just moments from the beach, shopping, dining, & the area's top-rated schools in one of the most sought-after communities. Come take a look!
All 54 photos
Description provided by PONTE VEDRA CLUB REALTY, INC. and reproduced from the MLS; not independently verified.
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$1,995,000
Bed / bath6 / 4.5
Living area4,345 sq ft
Year built2002
Property typeSingle Family Residence
Garage3-car
PoolYes
MLS #2144348
Listing status131 days on market
Public records & third-party data
FEMA flood zoneZone X
Ground elevation~9 ft
Windstorm exposureModerate
CountySt. Johns
Area listings2 active · 0 under contract
Estimated first-year tax~$17,157/yr
CDD assessmentNone on record
HOA (per listing)$82/mo
Calculated estimates
Price per sq ft$459
Estimated monthly payment$12,935
Insurance (illustrative)$7k–$15k/yr
Comparable-sales median$1,800,000
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
This is a deliberately dumb estimate — living area times a range of recent neighborhood $/sq ft, and nothing else. It is not an appraisal, not market value, and not a valuation of this home. Even a tight range from comparable sales can’t price a specific home — here’s why.
$1,824,900the mess$2,320,230
Actual list price: $1,995,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 27% spread on the same house — and that gap is exactly what an automated guess can't see:
Condition & updates — a renovated kitchen or new roof vs. dated finishes can swing value six figures; sq ft can't see it.
The lot & views — a premium golf, water, or preserve lot vs. a road-facing one: same sq ft, very different price.
Outliers skew it — one flip or distressed sale in the comps drags the whole $/sq ft up or down.
Carrying costs & concessions — this home carries HOA dues of $82/mo; with insurance and any seller-paid buydown, that changes what a buyer actually pays, and a sq ft estimate ignores all of it.
The pool — a private pool carries cost and value that living area doesn't capture.
And here's what the live market is doing — which the number above ignores entirely:
2 active listings competing
≈12.0 months of supply
2 closed here in the last 12 months
For reference, this home is listed at $1,995,000 ($459/sq ft) — a number set with analysis a Messtimate can't do.
Want a property-specific review 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. That's the difference between a Messtimate and a valuation.
Methodology: 4,345 sq ft × $420–$534/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated September 24, 2026.
Keep looking
Similar homes for sale near Ponte Vedra By The Sea Estates
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.
Listed for $1,995,000Momentum Realty · on market 131 days
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
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.)
~$17,157/yr
A rough first-year estimate only, applying a typical St. Johns rate to the list price before any exemptions. Florida bills vary substantially after reassessment, homestead and other exemptions, and local taxing districts — this is not your expected bill. Confirm with the county property appraiser.
CDD assessment
None
No CDD assessment on record for this community.
Insurance (illustrative range)
$7k–$15k/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
$82/mo
Covers the master association & common areas. Confirm exact dues and what they include.
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
~9 ft
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Windstorm / insurance
Obtain a quote
This is a coastal Florida county. Premiums and coverage vary by home; obtain a quote from a licensed insurer.
Connectivity
Internet & broadband
Fiber
Check availability
AT&T Fiber covers much of NE Florida; confirm availability at the address.
Cable
Likely
Xfinity/Spectrum cable broadband is widely available.
5G Home
Backup
T-Mobile / Verizon fixed-wireless as a backup option.
Seen enough photos?
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Listed by PONTE VEDRA CLUB REALTY, INC. · MLS # 2144348
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Market data · public records
Recent sales activity in Ponte Vedra By The Sea Estates
Recent comparable closed sales near this home, from public records. Summary figures are for general reference only and are not a valuation of this property. See the Ponte Vedra By The Sea Estates neighborhood guide for more.
Comparable sales found
1
Recent nearby closings in the data set.
Community median sale price
$1,800,000
Canonical 12-month median closed price. Reference only.
Community median $/sq ft
$477
Canonical 12-month median $/sq ft. Reference only.
Go deeper on Ponte Vedra By The Sea Estates
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.
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Apr 2026 · Retail Dining
Le Petit Paris to open fast-casual location on A1A in Ponte Vedra Beach
French bakery-cafe Le Petit Paris is preparing to open a Ponte Vedra Beach location at 830 Florida A1A N. The fast-casual spot will serve baguette and croissant sandwiches, quiche, salads, cheese boards and pastries, expanding the brand after openings in San Pablo and Atlantic Beach.
Why it matters: New food-and-beverage tenants along the A1A corridor may incrementally broaden the everyday retail mix serving the oceanfront residential area.
Yebo Beach Haus and Lions Head members club permitted to replace Lulu's site
St. Johns County issued a permit on January 20 for Yebo Beach Haus and the second-floor Lions Head Private Members Club at 301 N. Roscoe Blvd., the former Lulu's Waterfront Grille site, at a project cost of $3.14 million. Atlanta-based True Story Brands is partnering with Ponte Vedra-based Shark Tooth Dining on the roughly 207-seat ground-floor restaurant and private upstairs club along the Intracoastal.
Why it matters: Redevelopment of a long-vacant waterfront restaurant parcel could return an underused commercial site to active use in the Ponte Vedra dining scene.
Black Pearl plans January soft opening on A1A in Ponte Vedra Beach
Black Pearl, an upscale concept blending Italian and Japanese cuisines, planned a January 21 soft opening at 880 A1A N., Suite 18B in Ponte Vedra Beach, with an incorporated speakeasy element set to follow. The restaurant adds to a wave of new dining along the A1A corridor.
Why it matters: Clustering of new upscale dining on A1A may strengthen the area's appeal as a destination dining corridor for the surrounding oceanfront market.
South African-inspired group announces plan to replace Lulu's Waterfront Grille
A Georgia-based restaurant group announced plans to enter the Northeast Florida market by developing a South African-inspired establishment on the former Lulu's Waterfront Grille site, which Shark Tooth Dining bought for $4.2 million in November 2024. The concept pairs a waterfront restaurant with a private members club along the Intracoastal Waterway.
Why it matters: Reinvestment in a prominent waterfront commercial parcel may add to the Ponte Vedra dining and hospitality offering near the residential area.
Approximate driving times to verified nearby destinations. Estimates for general reference; actual times vary with traffic and route.
Groceries
Winn-Dixie 7 min
Dining
Al's Pizza 5 min
Shopping
Sawgrass Hotel Retail Village 6 min
Parks
Bird Island Park 6 min
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.
Ponte Vedra RawlingsAssigned elementary school · St. Johns County School District
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)
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
How it stacks up
Comparable recent sales
Recent closed sales nearby, with photos, so you can compare. Sold prices are public record, deemed reliable but not guaranteed.
Community 12-month median: $477/sq ft. Shown for general reference only — this is not an appraisal or a statement of this home's value. Sold prices are public record and deemed reliable but not guaranteed.
If you rent it out
Investment snapshot
Objective rental and cash-flow estimates for a buyer weighing this as an investment. Rough figures for general information only — not a guarantee of rent, an appraisal, or investment advice. Verify independently.
Estimated rent$9,144 – $13,300/moa rough gross-rent-yield range on list price (comp-based estimate coming).
Estimated cap rate4.6%Net operating income ÷ list price; excludes financing.
Est. monthly cash flow−$4,045 – −$305At 25% down, 30-yr; after a 10% vacancy/maintenance/management reserve.
Before you decide
Buyer research checklist
Items worth confirming for 309 N SEA LAKE Lane, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 2002 (24 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
HOA dues are listed at $82/mo: request the current budget, reserves, and rules before relying on that figure or on any restriction.
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 4,345 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 $17,157/yr) assumes reassessment at the list price; the seller's homestead cap does not transfer, so their current bill is not a guide.
School zoning shown here comes from district data and changes; confirm the assigned schools directly with the district before relying on them.
Nearby & commute
Approximate distances
Approximate drive times for general reference only.
realMLS, refreshed twice daily (last: September 24, 2026)
Community market stats
realMLS closed sales, as of August 10, 2026
Flood zone & elevation
FEMA flood maps + USGS elevation (Zone X shown above)
Taxes & monthly cost
Estimated from county rates; not a quote
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 309 N SEA LAKE Lane and when was it built?
Per the listing record, 309 N SEA LAKE Lane was built in 2002 and has 4,345 sq ft of living area, 6 bedrooms and 4.5 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 309 N SEA LAKE Lane in?
309 N SEA LAKE Lane is in Ponte Vedra By The Sea Estates in Ponte Vedra Beach, St. Johns County. The community section on this page shows recent closed sales, days on market, and active inventory for Ponte Vedra By The Sea Estates from the same MLS data.
Does 309 N SEA LAKE Lane have an HOA, and how much are the dues?
The listing reports HOA dues of $82 per month. Dues, what they cover, and the community's rules should be confirmed from the association's current documents before relying on them.
Why might property taxes on 309 N SEA LAKE Lane differ from the current owner's?
The estimate on this page (about $17,157 per year) assumes reassessment at the list price. Florida's Save Our Homes rule caps annual assessment increases for homesteaded owners, and the assessment resets after a sale, so a new owner's bill may differ from the seller's. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 309 N SEA LAKE Lane 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 309 N SEA LAKE Lane in person
Private tours available 7 days a week, in person or by live video walkthrough. Request a tour or send a question and a licensed Momentum Realty agent will follow up.
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 a typical county millage rate to the list price 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.
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.
