Waterfront Communities in St. Johns County, FL
Looking for waterfront communities in St. Johns County, FL? Momentum Realty tracks 38 St. Johns County communities with evidence of waterfront living, each with MLS-derived pricing and market pace below — plus the local questions worth asking before you buy, and a direct line to an agent who works these communities.
St. Johns County waterfront communities at a glance
The communities, by recent sales activity
| Community | City | Median price | 1-yr change | Days on mkt |
|---|---|---|---|---|
| RiverTown · agent | St. Johns | $648,000 | -6.0% | 78 d |
| Twenty Mile at Nocatee · agent | Nocatee | $942,000 | +1.0% | 45 d |
| Ponte Vedra Beach · agent | Ponte Vedra Beach | $6.24M | -4.0% | 164 d |
| Sawgrass Country Club · agent | Ponte Vedra Beach | $700,000 | +25.0% | 101 d |
| The Plantation at Ponte Vedra · agent | Ponte Vedra Beach | $2.04M | -5.0% | 68 d |
| Ocean Grande · agent | Ponte Vedra Beach | $642,000 | -20.0% | 125 d |
| Villages of Vilano · agent | St. Augustine | $460,000 | -6.0% | 95 d |
| Seaside · agent | Ponte Vedra Beach | $650,000 | +6.0% | 65 d |
| Turtle Shores · agent | Ponte Vedra Beach | $675,000 | -3.0% | 240 d |
| Vilano Beach · agent | St. Augustine | $856,000 | +4.0% | 215 d |
| Ocean Grove of Ponte Vedra · agent | Ponte Vedra | $224,000 | -11.0% | 80 d |
| Beachwalk · agent | St. Johns | $304,000 | -11.0% | 109 d |
| Beachside · agent | Ponte Vedra | $980,000 | – | 162 d |
| Ocean Village Club · agent | St. Augustine | $345,000 | -3.0% | 62 d |
| Sea Place · agent | St. Augustine | $455,000 | -28.0% | – |
| Summerhouse · agent | St. Augustine | $421,000 | -23.0% | 40 d |
| Colony Reef Club · agent | St. Augustine | $564,000 | +2.0% | 145 d |
| Surfside · agent | St. Augustine | $1.11M | +1.0% | 191 d |
| Deer Run · agent | Ponte Vedra Beach | $890,000 | +5.0% | – |
| Ocean Gallery · agent | St. Augustine | $602,000 | +17.0% | 129 d |
| Windemere · agent | Ponte Vedra Beach | $1.85M | – | 23 d |
| Tifton Cove · agent | Ponte Vedra | $505,000 | -15.0% | – |
| Four Winds Condominiums · agent | St. Augustine | $425,000 | +32.0% | 62 d |
| Spinnakers Reach · agent | Ponte Vedra | $1.27M | – | – |
| Quail Pointe · agent | Ponte Vedra Beach | $620,000 | -14.0% | – |
Communities are listed by recent closing volume in Momentum’s MLS data. Figures are aggregates, change over time, and are deemed reliable but not guaranteed.
Every other tracked waterfront communities in St. Johns County
- Summer Island
- Beach House Condos
- Serenata Beach
- Sea Hammock
- Seaside Vista
- Cypress Creek
- Ponte Vedra by the Sea
- Fisherman's Cove
- Cypress Bridge
- Walkers Ridge
- Pelican Inlet
- Ocean Ridge
- Lake Julia
What waterfront ownership really costs in Florida
Waterfront homes carry costs inland homes do not: flood insurance where the parcel sits in a FEMA special flood hazard area, higher windstorm premiums closer to open water, and upkeep for seawalls, docks and lifts. Before you offer, pull the FEMA flood zone for the specific parcel, ask for the seawall’s age and any inspection reports, and get an insurance quote in hand — not an estimate. Our wind mitigation savings calculator shows how inspection credits can offset part of the premium, and the buyer closing costs calculator builds insurance into your cash-to-close number.
Questions to ask about any waterfront listing
Is the water frontage deeded or association-owned? Is there a fixed bridge between the dock and open water, and what is the clearance? What did the seller pay for flood and wind coverage last year, and with which carriers? Has the seawall or dock been permitted and inspected? A local agent who works waterfront deals will know which canals hold depth at low tide and which carriers are writing in the area.
What it costs to own here
At St. Johns County’s typical combined millage of 13.47 mills, a purchase at $700,000 (the median across these waterfront communities) generates roughly $9,428 a year in property tax before exemptions — about $786 a month. Florida resets the assessed value to roughly your purchase price, so the seller’s current bill is not a preview of yours; a homesteaded owner then gets the $25,000–$50,000 exemption and the 3% Save Our Homes cap going forward. Citizens Property Insurance policies in St. Johns County average about $1,378 a year ($115 a month) — private-market quotes vary with roof age and wind mitigation, so price coverage before your inspection window closes. All-in, our county model puts the typical monthly cost of ownership in St. Johns County near $2,908 (principal and interest on the typical home, tax, and insurance).
Run your exact numbers: the property tax after purchase calculator uses St. Johns County’s verified millage, and the buyer closing costs calculator builds the full cash-to-close.
Demand and supply in St. Johns County right now
In the most recent IRS migration data (2022-2023), St. Johns County gained a net 10,642 people to relocation, with the largest inbound flows from NY, CA, NJ. Households moving IN reported average incomes of $130,600 versus $97,713 for those leaving — the income mix of demand, straight from tax filings. Population is up about 24.1% over the recent multi-year window. On the supply side, builders pulled 4,735 residential permits in St. Johns County in 2025 (3,554 single-family), down 15.1% year over year — against 8,390 at the 2021 peak. Permits are tomorrow’s inventory: a shrinking pipeline supports prices, a swelling one hands buyers leverage. Our valuation model reads the county as undervalued by about 5.7% versus its income-and-rent fundamentals.
The St. Johns County market, in context
St. Johns County is the premium county of Northeast Florida and home to the #1-rated public school district in the state. Anchored by historic St. Augustine, the Ponte Vedra Beach golf-and-ocean corridor, and the explosive Nocatee and SilverLeaf master plans along the World Golf Village spine, it commands the region's highest prices — and its fastest population growth. Buyers pay a premium here for schools, new construction, and a beach-adjacent lifestyle.
The economy behind the market: {'drivers': 'healthcare, professional golf, education, tourism, and professional services', 'summary': "St. Johns blends a fast-growing healthcare and professional-services base with two unusual anchors: the PGA Tour, headquartered in Ponte Vedra Beach alongside THE PLAYERS Championship at TPC Sawgrass, and a heavy commuter relationship with Duval's Jacksonville job market. Flagler Health+ / UF Health St. Johns is a major local employer, the county school district is itself one of the largest employers, and tourism around St. Augustine — the oldest city in the U.S. — runs year-round. Many residents earn Duval-Southside paychecks while living for the schools and beaches.", 'employers': ['St. Johns County School District', 'Flagler Health+ / UF Health St. Johns', 'PGA Tour (Ponte Vedra Beach HQ)', 'St. Johns County government', 'Northrop Grumman', 'VyStar Credit Union', 'Publix', 'Walmart', 'World Golf Village / hospitality'], 'jobNote': 'The PGA Tour is headquartered in Ponte Vedra Beach, home of THE PLAYERS Championship at TPC Sawgrass.'}
What could change it: The headline risks are price and water. St. Augustine and the barrier islands flooded in Hurricanes Matthew (2016) and Irma (2017), so storm surge and flood-zone status are central to true cost near the coast and the rivers. Affordability is stretched — this is the most expensive county in the region — and rapid growth in the Nocatee/SilverLeaf corridor is straining roads and schools even as the district adds capacity. Insurance, as everywhere in coastal Florida, is rising.
Near-term outlook: Expect St. Johns to stay among the most resilient markets in Northeast Florida over the next 12 months. School demand and in-migration keep a firm floor under prices, but affordability at the top of the regional range and rate sensitivity will keep appreciation modest and lengthen days on market on anything mispriced. New-construction volume in Nocatee and SilverLeaf gives buyers real leverage on builder inventory.
Run the numbers in St. Johns County
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Common questions
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Community classifications are compiled from MLS-reported amenities, verified amenity records and MLS build-year data, as of 2026-06-16; they are informational, change over time, and are deemed reliable but not guaranteed — verify details with each association. Not an offer of housing to any protected class to the exclusion of others. Equal Housing Opportunity.