5144 OTTER CREEK Drive, Ponte Vedra Beach, FL 32082
Single Family Residence in Sawgrass Players Club, Ponte Vedra Beach · No CDD · FEMA Zone X
Sawgrass Players Club · Ponte Vedra Beach, FL 32082 · St. Johns
Listing data updated July 3, 2026 · refreshed twice daily
4Bedrooms
2Bathrooms
2,033Sq Ft
1988Year Built
$541Per Sq Ft
Private pool2-car garageNo CDDFEMA Zone X4 bedrooms
Highlights
No CDD assessment on record
FEMA Zone X — flood insurance generally not federally required
Built 1988 · 38 yrs
2,033 sq ft of living area
2-car garage
$541/sq ft — compared with the displayed median of $446 from recent nearby sales
Listed at $1,100,000 — recent neighborhood median sale price ~$935,000 (nearby sales; deemed reliable, not an appraisal)
Active listing
HOA ~$50/mo (estimate; confirm)
This listing is shown at $1,100,000, with 4 bedrooms and 2 bathrooms, and 2,033 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
Bathrooms2
Living area2,033 sq ft
Year built1988
Property typeSingle Family Residence
Financial
Est. monthly payment$7,157
Est. taxes / yr~$9,460
Est. insurance / yr~$6,976
HOA$50/mo
CDDNone on record
Price / sq ft$541
Risk
Flood zoneZone X
Ground elevation~20 ft
Wind exposureCoastal — obtain a quote
Insurance (est.)~$6,976/yr
Market
Neighborhood median DOM28
Active listings (area)5
Months of supply1.7
Comparable-sales median$935,000
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
~$6,976/yr
Estimated homeowners premium; get a real quote.
Months of supply
1.7 mo
Under 3 months typically favors sellers; 3–6 is balanced; over 6 favors buyers.
Market activity
65/100
Balanced market — from supply, under-contract share, and days on market.
Estimated monthly payment
$7,157/mo
Principal & interest $5,737/mo80%
Taxes $788/mo11%
Insurance $581/mo8%
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
52/100
Strongest on: Flood safety (95), Market liquidity (79)
A rules-based composite of the objective indicators below — each computed from listing facts, public records, and recent nearby sales, not opinion.
Price vs area0
This home $541/sq ft vs area median $446/sq ft from recent nearby sales.
Affordability21
List price $1,100,000 vs area median $935,000. Not a measure of personal affordability.
Flood safety95
FEMA Zone X, ~20 ft elevation. Verify the parcel with FEMA.
Insurance cost60
From FEMA Zone X and a 1988 build. Obtain a property-specific quote.
Market liquidity79
Area median 28 days on market, ~1.7 months of supply.
Investment metrics62
Objective supply and demand metrics for the area - not investment advice.
Renovation upside44
From a 1988 build and $541/sq ft vs area $446/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
$1,100,000
List price
As listed in the MLS
4 / 2
Bed / bath
Per the listing
2,033
Living area
Sq ft (approx.)
$541
Price / sq ft
List ÷ living area
The home
Year built1988
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~$9,460/yr
Opinion/estimate at typical county millage — your assessed bill will differ. Do not rely on this.
Site & risk
FEMA flood zoneZone X
From the FEMA flood map; verify the parcel.
Ground elevation~20 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: $821,332 – $998,203
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.
$821,332the mess$998,203
Actual list price: $1,100,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 22% 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:
5 active listings competing in Sawgrass Players Club
4 under contract now
44% of for-sale inventory is currently under contract (under contract + pending, as a share of all for-sale inventory)
≈1.7 months of supply (one market-context metric; should not be used alone)
Median sale price is up 39% over the last 104 months
Homes here sell at about 97.6% of list price
36 closed here in the last 12 months
For reference, this home is listed at $1,100,000 ($541/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: 2,033 sq ft × $404–$491/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated July 3, 2026.
Market analysis
Sawgrass Players Club 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).
5Active listings
4Under contract
0New this month
1.7Months of supply
28Median days on market
44%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
1988BuiltPer public record
Jul 2, 2026First trackedObserved at $1,100,000
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.
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$5,042 – $7,333/moa rough gross-rent-yield range on list price (comp-based estimate coming).
Estimated cap rate4.5%Net operating income ÷ list price; excludes financing.
Est. monthly cash flow−$2,260 – −$198At 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$1,100,000
Bed / bath4 / 2
Living area2,033 sq ft
Year built1988
Property typeSingle Family Residence
MLS #2153624
Listing statusActive
Days on marketNot available on this page
Public records & third-party data
FEMA flood zoneZone X
Ground elevation~20 ft
CountySt. Johns
Estimated first-year tax~$9,460/yr
CDD assessmentNone on record
HOA (estimate)$50/mo
Calculated estimates
Price per sq ft$541
Estimated monthly payment$7,157
Estimated insurance~$6,976/yr
Messtimate range$821,332 – $998,203
Comparable-sales median$935,000
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
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
$7,157
Principal & interest$5,737
Property tax$788
Insurance$581
CDD assessment$0
HOA$50
PMI$0
Down payment $220,000 · Loan $880,000. 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
~$9,460/yr
The seller likely pays less due to the homestead cap. At a $1,100,000 purchase, expect your first full-year St. Johns bill near $9,460 before exemptions.
CDD assessment
None
No CDD assessment on record for this community.
Insurance
~$6,976/yr
Estimate for a 1988 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
~20 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 Sawgrass Players Club
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 Sawgrass Players Club neighborhood guide for more.
Comparable sales found
6
Recent nearby closings in the data set.
Median sale price (set)
$935,000
Median closed price of the comparable set. Reference only.
Median $/sq ft (set)
$446
Median $/sq ft of the comparable set. Reference only.
This home $/sq ft
$541
List price divided by living area. Provided as data, not a value judgment.
Go deeper on Sawgrass Players Club
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
The Fresh Market 9 min
Dining
Nineteen at TPC Sawgrass 6 min
Shopping
Tournament Plaza 9 min
Parks
Bird Island Park 11 min
In the area
Recent Sawgrass Players Club news
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Mar 2026 · Civic
THE PLAYERS Championship sets ticket-sales record at TPC Sawgrass
The 2026 PLAYERS Championship at TPC Sawgrass set a tournament record for ticket sales, drawing more than 200,000 fans across the six days open to the public and selling out Friday, Saturday and Sunday for the first time in event history. The signature PGA Tour event carried a $25 million purse with a $4.5 million winner's share.
Why it matters: Record tournament attendance reinforces the Sawgrass area's role as a seasonal tourism and hospitality draw, which may support demand for nearby lodging and short-stay rentals around event windows.
Sawgrass Marriott resort financing closes with new ownership plans detailed
Trade reporting confirmed the venture that paid $149.04 million for the Marriott Sawgrass resort secured a $138 million loan to support the acquisition. The owners reiterated plans to significantly elevate the resort's offerings across its nine food and beverage outlets, 25,000-square-foot spa and oceanfront Cabana Beach Club.
Why it matters: Substantial leverage paired with a stated upgrade plan suggests the new owners intend active repositioning rather than a passive hold of the Sawgrass-area asset.
Local homebuilder joins venture acquiring Sawgrass Marriott resort
Jacksonville-based Dream Finders Homes confirmed it is part of the joint venture that purchased the Sawgrass Marriott Golf Resort & Spa and Cabana Beach Club in Ponte Vedra Beach. The transaction places a major regional residential builder among the ownership group of one of the area's signature golf-resort assets next to TPC Sawgrass.
Why it matters: A homebuilder's involvement in a flagship resort purchase may signal continued capital interest in the Sawgrass area's hospitality and real estate landscape.
Sawgrass Marriott Golf Resort & Spa sells for $149M to venture planning major overhaul
The Sawgrass Marriott Golf Resort & Spa and the adjacent Cabana Beach Club, the hotel complex beside the PLAYERS Stadium Course at TPC Sawgrass, sold on November 4 for $149.04 million to a venture including South Street Partners, Jacksonville-based Dream Finders Homes and sports executive Pat Battle. The 351-key resort with 163 villas and roughly 114,000 square feet of meeting space is slated for a comprehensive renovation under the new owners.
Why it matters: A comprehensive resort renovation at this scale could, over time, lift the hospitality and visitor profile of the immediate Sawgrass Players Club corridor.
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 May 2026
$1,095,000
3080 CYPRESS CREEK Drive, Ponte Vedra Beach
3 / 2.5 bd/ba · 2,018 sq ft · $543/sq ft
Courtesy of BERRY & CO. REAL ESTATE · View details →
Sold Jun 2026
$895,000
5119 OTTER CREEK Drive, Ponte Vedra Beach
3 / 2.5 bd/ba · 2,148 sq ft · $417/sq ft
Courtesy of PONTE VEDRA CLUB REALTY, INC. · View details →
Sold May 2026
$670,000
102 PALMERA Court, Ponte Vedra Beach
3 / 2 bd/ba · 1,659 sq ft · $404/sq ft
Courtesy of COMPASS FLORIDA LLC · View details →
Sold May 2026
$790,000
102 CONCH Court, Ponte Vedra Beach
3 / 2 bd/ba · 1,608 sq ft · $491/sq ft
Courtesy of PONTE VEDRA CLUB REALTY, INC. · View details →
Sold Jun 2026
$975,000
4322 BLUE HERON Drive, Ponte Vedra Beach
3 / 2 bd/ba · 2,476 sq ft · $394/sq ft
Courtesy of FLUID REALTY, LLC. · View details →
Sold Jun 2026
$1,225,000
3039 CYPRESS CREEK Drive, Ponte Vedra Beach
4 / 3 bd/ba · 2,585 sq ft · $474/sq ft
Courtesy of 904 FINE HOMES · View details →
Median of the set: $446/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 Sawgrass Players Club
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
Beautifully updated home in the highly sought-after Players Club at Cypress Creek! Stunning new real oak hardwood floors with a natural matte finish welcome you into the spacious floor plan featuring a double-sided fireplace shared by the living room and private office/4th bedroom. The kitchen offers KitchenAid cabinetry, stainless LG appliances, an upscale induction range, and adjacent flex space perfect for a home office. Major updates include the roof, HVAC, water heater, and pool heater (all within the last 5-6 years), plus a high-efficiency whole-home air filtration system. The primary suite features new carpet, dual vanities, a soaking tub, oversized shower, and walk-in closet. Enjoy your private backyard oasis with a red cedar tongue-and-groove lanai ceiling, resurfaced cool deck, new turf, putting green, pool, spa, and new Pentair IntelliFlo 3 HP pump. Luxury living inside and out--this is a must-see!
Description provided by ONE REALTY CORP and reproduced from the MLS; not independently verified.
The full spec sheet
Property details & features
Interior
Bedrooms4
Bathrooms2
Living area2,033 sq ft
Exterior & lot
TypeSingle Family Residence
Systems
Year built1988
Age38 yrs
Listing
MLS #2153624
StatusActive
Days on market0
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 $1,100,000Momentum Realty · on market 0 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 5144 OTTER CREEK Drive 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.
