Single Family Residence in Sawmill Lakes, Ponte Vedra Beach · No CDD · FEMA Zone X
Sawmill Lakes · Ponte Vedra Beach, FL 32082 · St. Johns
Listing data updated July 10, 2026 · refreshed twice daily
4Bedrooms
4Bathrooms
3,570Sq Ft
1998Year Built
$385Per Sq Ft
2-car garageNo CDDFEMA Zone X4 bedrooms
Highlights
No CDD assessment on record
FEMA Zone X — flood insurance generally not federally required
Built 1998 · 28 yrs
3,570 sq ft of living area
2-car garage
$385/sq ft — compared with the displayed median of $318 from recent nearby sales
Listed at $1,375,000 — recent neighborhood median sale price ~$934,250 (nearby sales; deemed reliable, not an appraisal)
New to market
HOA ~$50/mo (estimate; confirm)
Community built 1997–2000Wok N Roll · 3 min drivePublix · 4 min driveFoxtail Coffee & Kelly's Homemade Ice Cream - Palm Valley · 4 min drive
This listing is shown at $1,375,000, with 4 bedrooms and 4 bathrooms, and 3,570 square feet. The page displays an estimated monthly payment, FEMA flood-zone information, estimated ownership costs, a source-tagged Momentum Fact Check, and recent comparable-sale data where available. All estimates should be independently verified.
Momentum Snapshot
The whole picture, at a glance
Property
Bedrooms4
Bathrooms4
Living area3,570 sq ft
Year built1998
Property typeSingle Family Residence
Financial
Est. monthly payment$8,837
Est. taxes / yr~$11,825
Est. insurance / yr~$7,565
HOA$50/mo
CDDNone on record
Price / sq ft$385
Risk
Flood zoneZone X · minimal hazard (FEMA)
Ground elevation~8 ft
Wind exposureCoastal — obtain a quote
Insurance (est.)~$7,565/yr
Market
Days on market1
Neighborhood median DOM1
Active listings (area)1
Months of supply0.5
Comparable-sales median$934,250
This home1d
Area median1d
Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Visual snapshot
The numbers, at a glance
Flood risk
Zone X
Minimal hazard, outside the SFHA per FEMA
Est. insurance
~$7,565/yr
Estimated homeowners premium; get a real quote.
Months of supply
0.5 mo
Under 3 months typically favors sellers; 3–6 is balanced; over 6 favors buyers.
Market activity
91/100
Active market — from supply, under-contract share, and days on market.
Estimated monthly payment
$8,837/mo
Principal & interest $7,171/mo81%
Taxes $985/mo11%
Insurance $630/mo7%
HOA $50/mo1%
Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Momentum Scores
Momentum Property Score
53/100
Strongest on: Market liquidity (97), Flood safety (90)
A rules-based composite of the objective indicators below — each computed from listing facts, public records, and recent nearby sales, not opinion.
How to read it: a higher score means more of these objective measures line up in a buyer’s favor — for example, priced competitively against recent nearby sales, lower carrying costs, or lower flood risk. A lower score means fewer do. It reflects only the indicators below — not the home’s quality, condition, or desirability, and nothing about who should live there.
Price vs area0
This home $385/sq ft vs area median $318/sq ft from recent nearby sales.
Affordability0
List price $1,375,000 vs area median $934,250. Not a measure of personal affordability.
Flood safety90
FEMA Zone X, ~8 ft elevation. Verify the parcel with FEMA.
Insurance cost67
From FEMA Zone X and a 1998 build. Obtain a property-specific quote.
Market liquidity97
Area median 1 days on market, ~0.5 months of supply.
Investment metrics87
Objective supply and demand metrics for the area - not investment advice.
Renovation upside32
From a 1998 build and $385/sq ft vs area $318/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.
Listing facts & disclosures
$1,375,000
List price
As listed in the MLS
4 / 4
Bed / bath
Per the listing
3,570
Living area
Sq ft (approx.)
$385
Price / sq ft
List ÷ living area
The home
Year built1998
Per public record.
Property typeSingle Family Residence
Per the listing.
Costs
HOA$50/mo
Disclosure — confirm exact dues and inclusions.
CDD assessmentNone on record
Estimate/disclosure — confirm the parcel's actual CDD with the county.
Est. first-year tax~$11,825/yr
Opinion/estimate at typical county millage — your assessed bill will differ. Do not rely on this.
Site & risk
FEMA flood zoneZone X · minimal hazard (FEMA)
From the FEMA flood map; verify the parcel.
Ground elevation~8 ft
Approximate parcel elevation (USGS).
WindstormModerate
Coastal exposure varies; obtain an insurer quote.
Please note. Figures such as estimated taxes, insurance, CDD/HOA amounts, payments, and any market or comparable-sales summary are opinions and estimates for general information only, may be inaccurate, are not appraisals or advice, and should not be relied upon. Verify everything independently before making any decision.
How this home's list $/sq ft compares with recent nearby closed sales, and how prices in the community have moved. Public-record reference only — not an appraisal or a statement of value.
This home's $/sq ft vs. nearby sales
Recent sold prices in this community
The Messtimate™
The Messtimate: $1,095,990 – $1,295,910
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.
$1,095,990the mess$1,295,910
Actual list price: $1,375,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 18% spread on the same house — and that gap is exactly what an automated guess can't see:
Condition & updates — a renovated kitchen, new roof, or older interior finishes can swing value six figures. Sq ft can't see it.
The lot — a premium waterfront, conservation, or cul-de-sac lot vs. a road-facing one: same sq ft, very different price.
Outliers skew it — one flip or one distressed sale in the comps drags the whole $/sq ft up or down.
Layout & beds/baths — two homes at 2,000 sq ft with 3/2 vs. 4/3 don't sell for the same number.
Views & orientation — golf, water, or preserve views aren't in the square footage.
Upgrades & systems — solar, pool, impact windows, new HVAC: real money, invisible to a calculator.
Unpermitted or mismeasured sq ft — public records are often wrong, and unpermitted additions don't count.
Carrying costs — CDD bonds, HOA dues, and flood-zone insurance change what a buyer will actually pay.
Timing & concessions — the market moves monthly, and seller-paid rate buydowns hide the true price.
School zoning & micro-location — one street over can mean a different school, and a different price.
And here's what the live market is doing — which the number above ignores entirely:
This home: 1 days on market vs. a ~1-day neighborhood median
1 active listing competing in Sawmill Lakes
4 under contract now
80% of for-sale inventory is currently under contract (under contract + pending, as a share of all for-sale inventory)
≈0.5 months of supply (one market-context metric; should not be used alone)
Median sale price is up 147% over the last 115 months
Homes here sell at about 100.0% of list price
23 closed here in the last 12 months
For reference, this home is listed at $1,375,000 ($385/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: 3,570 sq ft × $307–$363/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated July 10, 2026.
Market analysis
Sawmill Lakes market analysis
Local market conditions - current inventory and, where available, recent trends. Reference only, not a forecast or valuation. Source: realMLS (Northeast Florida Multiple Listing Service).
1Active listings
4Under contract
0New this month
0.5Months of supply
1Median days on market
80%Under-contract share
Current area inventory and velocity from live MLS counts. Reference only, not a forecast or valuation.
Median sale price
Median $/sq ft
Median days on market
Homes sold per month
Property timeline
This home’s history
1998BuiltPer public record
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.
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$6,302 – $9,167/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−$2,717 – −$139At 25% down, 30-yr; after a 10% vacancy/maintenance/management reserve.
Momentum Fact Check
Every number, sourced
We separate what is listing data, what comes from public records, what we calculate or estimate, and what a buyer should verify. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
List price$1,375,000
Bed / bath4 / 4
Living area3,570 sq ft
Year built1998
Property typeSingle Family Residence
MLS #2154277
Listing statusNew — 1 days on market
Days on market1
Public records & third-party data
FEMA flood zoneZone X
Ground elevation~8 ft
CountySt. Johns
Estimated first-year tax~$11,825/yr
CDD assessmentNone on record
HOA (estimate)$50/mo
Calculated estimates
Price per sq ft$385
Estimated monthly payment$8,837
Estimated insurance~$7,565/yr
Messtimate range$1,095,990 – $1,295,910
Comparable-sales median$934,250
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
No surprises at closing
Estimate a monthly payment
A tool to estimate a monthly payment. All values are editable estimates, not a loan offer or a statement about this property. Property tax, insurance, CDD, and HOA figures are approximations — verify each independently.
Estimated monthly payment
$8,837
Principal & interest$7,171
Property tax$985
Insurance$630
CDD assessment$0
HOA$50
PMI$0
Down payment $275,000 · Loan $1,100,000. Estimate only — not a loan offer. We'll connect you with a local lender for an exact quote.
Estimated ownership costs
Estimated costs & disclosures
Estimates and disclosures for general information only. These are opinions/approximations, not guarantees, and should not be relied upon — confirm every figure with the county, your lender, and an insurer.
Property tax reset
~$11,825/yr
The seller likely pays less due to the homestead cap. At a $1,375,000 purchase, expect your first full-year St. Johns bill near $11,825 before exemptions.
CDD assessment
None
No CDD assessment on record for this community.
Insurance
~$7,565/yr
Estimate for a 1998 build in St. Johns. Newer construction and wind-mitigation features lower premiums. Flood not mandated (Zone X).
HOA
$50/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
~8 ft
Approximate parcel elevation from USGS. Run --online for a live reading.
Windstorm / insurance
Obtain a quote
This is a coastal Florida county. Premiums and coverage vary by home; obtain a quote from a licensed insurer.
Market data · public records
Recent sales activity in Sawmill Lakes
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 Sawmill Lakes neighborhood guide for more.
Comparable sales found
6
Recent nearby closings in the data set.
Median sale price (set)
$934,250
Median closed price of the comparable set. Reference only.
Median $/sq ft (set)
$318
Median $/sq ft of the comparable set. Reference only.
This home $/sq ft
$385
List price divided by living area. Provided as data, not a value judgment.
Go deeper on Sawmill Lakes
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.
Approximate driving times to verified nearby destinations. Estimates for general reference; actual times vary with traffic and route.
Groceries
Publix 4 min
Dining
Wok N Roll 3 min
Shopping
Tournament Plaza 8 min
Parks
Cornerstone Park 9 min
In the area
Recent Sawmill Lakes news
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
2026-05 · Parks Amenities
South Ponte Vedra beach restoration project moves toward a fall 2026 start
St. Johns County is advancing a FEMA-backed shoreline project that will pump dredged offshore sand to rebuild dunes and berm along South Ponte Vedra Beach between roughly 2539 and 3175 South Ponte Vedra Boulevard. The county has secured state emergency grant funding and the required state and federal permits, with construction now tentatively scheduled to begin in fall 2026. The design calls for a 15-foot-wide dune crest and a widened protective berm.
Why it matters: Renewed beach and dune protection along the Ponte Vedra coastline could, over time, support the appeal and storm resilience of nearby properties, though access may be affected during construction.
Drive-thru Smoothie King permitted at the Palm Valley and A1A split
St. Johns County issued a building permit in late December for a drive-thru-only Smoothie King at 854 Florida A1A North in Ponte Vedra Beach. The roughly 704 square foot store will occupy a former Chase Bank space between Walgreens and The Fresh Market near the split of Palm Valley Road and A1A. It would be the chain's third location in the county.
Why it matters: Continued small-scale retail infill along the A1A corridor near Sawmill Lakes may add convenience options within a short drive for area residents.
Jersey Mike's cleared for first Ponte Vedra Beach store in Tournament Plaza
St. Johns County issued a build-out permit in October for a roughly 1,097 square foot Jersey Mike's Subs in the Tournament Plaza shopping center at 832 A1A North, in the former D and D Cleaners space. Le Petit Paris Cafe is also planned for the same center. Other tenants there include Baptist Primary Care, the UPS Store and Ponte Vedra Fitness.
Why it matters: Filling vacant retail bays in established A1A plazas may help keep nearby shopping centers active for residents in the immediate corridor.
Second Daily's gas station and convenience store explored in Nocatee
A utility service availability letter issued in late February indicates First Coast Energy is studying a second Daily's gas station and convenience store along Valley Ridge Boulevard south of Nocatee Parkway, on land straddling the Duval and St. Johns county line. The proposed 6,361 square foot store would include a small quick-service restaurant but no car wash. No permit applications had yet been filed with either county at the time of reporting.
Why it matters: Early-stage commercial interest along the Nocatee Parkway corridor may signal continued fuel and convenience growth near the Ponte Vedra area, though such projects can change before permitting.
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.
Ocean Palms Elementary SchoolPreK-5 · St. Johns County School District
Alice B. Landrum Middle School6-8 · St. Johns County School District
Ponte Vedra High School9-12 · St. Johns County School District
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.
Sold Mar 2026
$860,000
605 TIMBER POND Drive, Ponte Vedra Beach
5 / 3.5 bd/ba · 3,501 sq ft · $246/sq ft
Courtesy of KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINE · View details →
Sold Jun 2026
$1,100,000
404 W MILL CHASE Court, Ponte Vedra Beach
5 / 3.5 bd/ba · 3,392 sq ft · $324/sq ft
Courtesy of DJ & LINDSEY REAL ESTATE · View details →
Sold Jun 2026
$879,500
204 S MILL RIDGE Trail, Ponte Vedra Beach
5 / 3 bd/ba · 2,809 sq ft · $313/sq ft
Courtesy of RE/MAX SPECIALISTS · View details →
Sold May 2026
$850,000
317 E MILL CHASE Court, Ponte Vedra Beach
4 / 3.5 bd/ba · 2,765 sq ft · $307/sq ft
Courtesy of COLDWELL BANKER VANGUARD REALTY · View details →
Sold Jun 2026
$1,000,000
224 N MILL VIEW Way, Ponte Vedra Beach
4 / 3 bd/ba · 2,725 sq ft · $367/sq ft
Courtesy of HERRON REAL ESTATE LLC · View details →
Sold Jul 2026
$989,000
612 W MOSS WOOD Trace, Ponte Vedra Beach
4 / 2.5 bd/ba · 2,722 sq ft · $363/sq ft
Courtesy of KELLER WILLIAMS REALTY ATLANTIC PARTNERS · View details →
Median of the set: $318/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.
Keep looking
Similar homes for sale near Sawmill Lakes
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.
A neutral list of items to confirm for any home. This is general guidance, not advice about this specific property.
Confirm roof age and condition during inspection.
Confirm HVAC age and condition during inspection.
Request current HOA documents before relying on dues or restrictions.
Obtain an insurance quote for this specific property.
Confirm school zoning directly with the district.
Order a survey to confirm lot boundaries.
Review permit history with the county.
Confirm whether flood insurance is required for this parcel.
Confirm square footage and room dimensions independently.
Ask the county how property taxes may change after a sale.
Listing description
About this home
The wait is over! Completely transformed and renovated inside and out, this stunning Sawmill Lakes home is as close to new construction as you can get--without the wait! Offering 4 bedrooms, 4 baths, and over 3,570 sq. ft., this home has been rebuilt from the studs with designer finishes and exceptional craftsmanship throughout. Soaring ceilings, a delightful eat-in chef's kitchen, separate dining room, dedicated office, and versatile flex space create the perfect setting for entertaining. A huge bonus room with a full bath offers endless possibilities. Situated on a private quarter-acre preserve lot, enjoy a beautifully landscaped backyard with a paver patio and fire pit. A rare opportunity in one of Ponte Vedra Beach's most sought-after communities. Minutes to the beach, shopping, dining, and top-rated St. Johns County schools. Ask about preferred membership opportunities at the Ponte Vedra Inn & Club and The Lodge & Club. Keep an eye out, photos coming soon!
Description provided by PONTE VEDRA CLUB REALTY, INC. and reproduced from the MLS; not independently verified.
The full spec sheet
Property details & features
Interior
Bedrooms4
Bathrooms4
Living area3,570 sq ft
Exterior & lot
TypeSingle Family Residence
Systems
Year built1998
Age28 yrs
Listing
MLS #2154277
StatusActive
Days on market1
Nearby & commute
Approximate distances
Approximate drive times for general reference only.
City
Ponte Vedra Beach
Groceries, dining, and parks for this city — see the city guide.
AT&T Fiber covers much of NE Florida. Run --online or confirm at the address.
Cable
Likely
Xfinity/Spectrum cable broadband is widely available.
5G Home
Backup
T-Mobile / Verizon fixed-wireless as a backup option.
Transparency
Price & listing history
Listed for $1,375,000Momentum Realty · on market 1 days
Public records
Building permits
Permit history not yet linkedAdd county permit records via overrides
Answered before you ask
Frequently asked questions
Why might my property taxes differ from the current owner's?
Florida's Save Our Homes rule caps annual assessment increases for homesteaded owners, and the assessment can be re-set after a sale. As a result 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.
Where does the flood-zone information come from?
The flood designation shown (Zone X) comes from the FEMA flood map and is provided for general information. 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 403 S MILL VIEW Way 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.
Momentum Realty · licensed in FL & GA
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.
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.
