Single Family Residence in Old Ponte Vedra Bch, Ponte Vedra Beach · No CDD · Built 2027
Old Ponte Vedra Bch · Ponte Vedra Beach, FL 32082 · St. Johns
Listing data updated September 21, 2026 · refreshed twice daily
6Bedrooms
6.5Bathrooms
6,904Sq Ft
2027Year Built
$1302Per Sq Ft
WaterfrontPrivate pool3-car garageNew constructionNo 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.
30% above
$/sq ft vs community
$1302 here vs $1002 median sold (12 mo)
Buyer leverage
Buyer advantage
164 days on market
4.5 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
Zone X
Flood risk
Minimal hazard per FEMA; ~11 ft elevation
$20k–$40k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
Above 2 of 2
Price vs recent sales
Asking $8.99M tops 2 of the last 2 closed sales; also one of the largest homes here at 6,904 sq ft
As of September 21, 2026, 539 RUTILE Drive in Old Ponte Vedra Bch, Ponte Vedra Beach is listed at $8,990,000 (6,904 sq ft, about $1,302 per sq ft). That is 97% above Old Ponte Vedra Bch's median closed sale of $4,562,500 over the last 12 months (50 recorded sales). Per square foot it is above the community's recent $1,002/sq ft by about 30%. It has been 164 days on market, longer than the community's typical 43 days to contract. Listing facts: new construction, a private pool, 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
New construction — built 2027
6,904 sq ft of living area
3-car garage
164 days on market
HOA ~$50/mo (estimate; confirm)
Golf course communitySchool district: Nocatee 32081 School District St. Johns County SchoolCommunity built 1949–2027Winn-Dixie · 6 min driveBird Island Park · 6 min driveMerchants Plaza · 7 min drive
Momentum Research · Ponte Vedra Beach
Pricing & the Ponte Vedra Beach market
How this home is priced against recent nearby sales, and where Ponte Vedra Beach has been over 25 years. Momentum Research analysis of realMLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.
Price vs. size in Ponte Vedra Beach
Each dot is a closed sale since 2001 (892 total). This home is the gold marker.
Sale price (y) by living area in sq ft (x). realMLS closed sales.
Median $/sq ft by year
Community sold $/sq ft, 2012–2026. This home lists at $1302/sq ft.
Median sale price by year
12-month median closed price, 2012–2026.
Market Heat by year (0–100)
Momentum Market Heat, 2013–2026. Now 66 (hot).
Property timeline
This home’s history
2027BuiltPer public record
Jul 2, 2026First trackedObserved at $8,990,000
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
$56,397/mo
Principal & interest $47,607/mo84%
Taxes $6,443/mo11%
Insurance $2,297/mo4%
HOA $50/mo0%
$56,397/mo at 20% down, 30-yr @ 6.95% · edit any field to update.
Strongest on: Flood safety (90), Insurance cost (80)
0 limited50100 exceptional
44/100 is below average across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.
A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.
Price vs area0
This home $1302/sq ft vs the community 12-month median $1002/sq ft.
Affordability0
List price $8,990,000 vs the community median $4,562,500. Not a measure of personal affordability.
Flood safety90
FEMA Zone X, ~11 ft elevation. Verify the parcel with FEMA.
Insurance cost80
From FEMA Zone X and a 2027 build. Obtain a property-specific quote.
Market liquidity56
Community median 43 days on market, ~4.5 months of supply (12-month record).
Renovation upside10
From a 2027 build and $1302/sq ft vs the community median $1002/sq ft. Not a condition assessment.
Pricing power80
Recent sales closed at about 92.0% of original asking (~8.0% below). More room below asking generally favors buyers.
Market timing34
Momentum Market Heat is 66/100 (hot). Cooler readings generally favor buyers; hotter readings favor sellers.
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. 4.5 months of supply in the surrounding market and 164 days on market for this home, against a 43-day area median.Days on market:this home 164Area median: 43 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 September 20, 2026.
🟡 Asking $1302 per square foot, about 30% above the community’s $1002 median. Ponte Vedra Beach’s 12-month median sold price per square foot is $1002. Median sold price per square foot is up 23.4% year over year. Confidence: Very High · 50 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.
Recent Ponte Vedra Beach sales closed near 92.0% of original asking.Why it matters: the community’s own record shows how far opening prices typically move, and how often buyers compete without financing.Momentum Research analysis of realMLS records, community-level, 12 months ending September 20, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: a golf-course community, one of only 18 active listings in Ponte Vedra Beach, no CDD assessment.
Updated September 21, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Listing description
About this home
Welcome to 539 Rutile Drive, an exceptional new construction residence in the heart of old Ponte Vedra Beach. Designed by Dig Architecture and masterfully built by renowned McAneny Builders, this turnkey residence embodies sophisticated luxury at its finest. Encompassing just under 7,000 square feet of exquisitely designed living space, the thoughtfully curated floor plan blends effortless hosting with everyday comfort.
A dramatic oversized glass entry door welcomes you into an elegant foyer gallery with direct lagoon views, creating an unforgettable first impression. The heart of the home, the oversized family room, is anchored by a gas masonry fireplace, and is perfectly positioned to capture both sunrise and sunset views. When you are ready to entertain, the foyer and family room open to a striking designer bar that can be discreetly concealed behind doors or fully opened for effortless hosting.
The showpiece kitchen is appointed with all the best-in-class appliances you expect: Sub-Zero, Miele, and Lacanche. Just beyond, a sunlit, fully equipped scullery adds both beauty and functionality, while a casual coffee bar transitions seamlessly to the outdoor kitchen, resort-style pool, and waterfront entertaining terrace--perfect for elevated family gatherings. The dining room is gracefully situated off of the kitchen to capture views of the lush backyard and lagoon.
Just beyond, everyday living is equally well considered, with a two-car garage connecting to an oversized sunlit mudroom complete with laundry and powder room, while a separate single-car detached garage offers the perfect space for a golf cart, collector vehicle, or sports car. A highlight of the main level is the serene first-floor primary retreat, which serves as a private sanctuary, complete with an expansive bespoke dressing room and a spa-inspired bath bathed in luminous Southern light. Just down the hall is the formal powder room, and a refined private fireside study that offers the perfect executive office or intimate sitting room.
Ascend to the upper level to find four beautifully proportioned bedroom suites, each with its own en-suite bathroom and walk-in closet. A spacious family lounge invites effortless family movie nights, games, and everyday gatherings, while a dedicated fitness or flex studio offers versatility for wellness and recreation. Additional upstairs features include a full laundry room, powder room, generous storage closets for seasonal décor, and convenient additional rear stair access.
Perfectly oriented to maximize its east-facing waterfront setting, the rear elevation captures sweeping sunrise views, tranquil water vistas, and the gentle coastal breezes that define the Old Ponte Vedra lifestyle. Every detail has been carefully considered to create a residence of enduring elegance and privacy in one of the area's most prestigious addresses. Just one block from the beach, with effortless access to A1A, the Ponte Vedra Inn & Club, and top-tier schools, this is a rare opportunity to own a newly constructed luxury residence in prestigious Old Ponte Vedra.
Description provided by TERRA REAL ESTATE, LLC 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$8,990,000
Bed / bath6 / 6.5
Living area6,904 sq ft
Year built2027
Property typeSingle Family Residence
Garage3-car
PoolYes
MLS #2139154
Listing status164 days on market
Public records & third-party data
FEMA flood zoneZone X
Ground elevation~11 ft
Windstorm exposureModerate
CountySt. Johns
Area listings18 active · 4 under contract
Estimated first-year tax~$77,314/yr
CDD assessmentNone on record
HOA (estimate)$50/mo
Calculated estimates
Price per sq ft$1302
Estimated monthly payment$56,397
Insurance (illustrative)$20k–$40k/yr
Comparable-sales median$4,562,500
Buyer should verify Buyer verify
Exact HOA dues, fees, and restrictionsRoof age and conditionHVAC age and conditionA property-specific insurance quoteSurvey and lot boundariesPermit historyFlood-insurance requirementsSchool zoning (confirm with the district)Property taxes after sale (homestead reset)CDD / community assessmentsSquare footage and room dimensions
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.
$6,089,328the mess$7,746,288
Actual list price: $8,990,000 — 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 & finishes — as new construction, builder upgrades and finish level aren't in a sq ft number.
The lot — this listing is waterfront; water frontage is priced far off a per-sq-ft average of the neighborhood.
Outliers skew it — one flip or distressed sale in the comps drags the whole $/sq ft up or down.
Carrying costs & concessions — CDD, HOA, insurance, and seller-paid buydowns change what a buyer actually pays.
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:
This home: 164 days on market vs. a 43-day community median
18 active listings competing, 4 under contract
≈4.5 months of supply
48 closed here in the last 12 months
For reference, this home is listed at $8,990,000 ($1,302/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: 6,904 sq ft × $882–$1,122/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated September 21, 2026.
Keep looking
Similar homes for sale near Old Ponte Vedra Bch
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 $8,990,000Momentum Realty · on market 164 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.)
~$77,314/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)
$20k–$40k/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
$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
~11 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?
Want to see 539 RUTILE Drive?
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Listed by TERRA REAL ESTATE, LLC · MLS # 2139154
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Market data · public records
Recent sales activity in Old Ponte Vedra Bch
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 Old Ponte Vedra Bch neighborhood guide for more.
Comparable sales found
0
Recent nearby closings in the data set.
Community median sale price
$4,562,500
Canonical 12-month median closed price. Reference only.
Community median $/sq ft
$1002
Canonical 12-month median $/sq ft. Reference only.
Go deeper on Old Ponte Vedra Bch
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.
Sep 2026 · Market
A newly built six bedroom Ponte Vedra Beach home closes for more than 11.68 million dollars
A Ponte Vedra Beach home built in 2026 and marketed in a modern French country style sold for more than 11.68 million dollars, according to property records and listings reviewed by the Jacksonville Daily Record. The six bedroom house sits a short distance from the ocean and includes a three car garage.
Why it matters: An eight figure closing on new construction may reinforce the ceiling for oceanside Ponte Vedra Beach pricing, though single trophy sales rarely move the broader median.
County approves an Our Lady Star of the Sea campus consolidation in Ponte Vedra Beach
The St. Johns County Commission voted 5 to 0 on September 1 to approve renovations at the Our Lady Star of the Sea Catholic Church campus in Ponte Vedra Beach. The plan replaces aging buildings with a consolidated early learning and administrative facility and raises the campus maximum development entitlement from 62,779 to 78,800 square feet.
Why it matters: Institutional campus updates like this tend to be neutral to positive for nearby resale activity because they modernize existing uses rather than add new traffic generators.
Large Davis family tract across the Intracoastal starts down a new approval path
The Davis family, through BR4700 LLC, filed for Agricultural Enclave certification on 4,462 acres bordered on the east by the Intracoastal Waterway, with Palm Valley and Ponte Vedra Beach beyond it. The family's Nocatee development abuts the property to the south and its Estuary PUD sits to the west across the Duval line. The filing relies on a new state law effective July 1 that streamlines residential review on certified agricultural land.
Why it matters: Any eventual buildout on a tract this size next to existing Ponte Vedra area development could influence long run traffic and land use patterns, though certification alone does not entitle any homes.
County completes 1.6 million dollar upgrade at Plantation Water Treatment Plant
The St. Johns County Utility Department finished a 1,624,350 dollar capital project at the Plantation Water Treatment Plant in Ponte Vedra Beach, replacing a 40 year old aerator structure with a reinforced concrete facility and a corrosion resistant aluminum aerator. The plant stayed in service through construction with only brief planned outages.
Why it matters: Proactive replacement of aging water infrastructure may support long term utility reliability for Ponte Vedra Beach properties.
Approximate driving times to verified nearby destinations. Estimates for general reference; actual times vary with traffic and route.
Groceries
Winn-Dixie 6 min
Dining
The Boathouse Ponte Vedra 8 min
Shopping
Merchants Plaza 7 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.
No closely comparable recent sales were found in this data set.
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$41,204 – $59,933/moa rough gross-rent-yield range on list price (comp-based estimate coming).
Estimated cap rate4.9%Net operating income ÷ list price; excludes financing.
Est. monthly cash flow−$16,338 – +$518At 25% down, 30-yr; after a 10% vacancy/maintenance/management reserve.
Before you decide
Buyer research checklist
Items worth confirming for 539 RUTILE Drive, chosen from what the record shows. This is general guidance, not advice about this specific property.
New construction: get the builder's warranty terms and the certificate of occupancy in writing, and ask which finishes shown are upgrades.
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.
Private pool: confirm the barrier or alarm meets the state residential pool safety code and ask for pump, heater, and resurfacing records.
Waterfront: confirm seawall or dock condition and permits, and ask who owns and maintains the shoreline.
Listed living area is 6,904 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 $77,314/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 21, 2026)
Community market stats
realMLS closed sales, as of September 20, 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 539 RUTILE Drive and when was it built?
Per the listing record, 539 RUTILE Drive was built in 2027 and has 6,904 sq ft of living area, 6 bedrooms and 6.5 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 539 RUTILE Drive in?
539 RUTILE Drive is in Old Ponte Vedra Bch in Ponte Vedra Beach, St. Johns County. The community section on this page shows recent closed sales, days on market, and active inventory for Old Ponte Vedra Bch from the same MLS data.
Does 539 RUTILE Drive 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 539 RUTILE Drive differ from the current owner's?
The estimate on this page (about $77,314 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 539 RUTILE Drive in a flood zone?
The FEMA flood map places this parcel in Zone X, outside the special flood hazard area, so flood insurance is not usually required by a lender. It is still available and worth quoting; confirm the parcel's status with FEMA and your insurer.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
Ready when you are
See 539 RUTILE 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.
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.
