Sawgrass Garden Homes Ii

128 LAKE JULIA DR N

Ponte Vedra Beach, FL 32082
For Sale $1,375,000
3 bd · 2 ba · Built 1980
Bryce Spraggins — The HOA Collective
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The data relating to real estate for sale on this website comes in part from the Internet Data Exchange (IDX) program of the Northeast Florida Multiple Listing Service, Inc. Real estate listings held by brokerage firms other than The HOA Collective LLC are marked with the listing broker's name and detailed information about such listings includes the name of the listing brokers. Data provided is deemed reliable but is not guaranteed.

Listing courtesy of BETTER HOMES & GARDENS REAL ESTATE LIFESTYLES REALTY (jeanne.j.pilcher@gmail.com). Information is deemed reliable but not guaranteed. Data from realMLS (Northeast Florida MLS). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

About This Home

Tucked away in a serene garden setting within coveted Sawgrass Country Club, this beautifully maintained 3BR/2BA garden home blends tranquility and natural light. A private brick courtyard entry and lush landscaping create a warm first impression. Inside, soaring ceilings, expansive windows, rich wood flooring, and a fireplace enhance the spacious living areas. Stunning lake views are enjoyed from the living room, sunroom, primary suite, and third bedroom. Imagine morning coffee in the sunroom as the light glimmers across the water, or evenings entertaining friends with doors open to the expansive deck and peaceful lake backdrop. Designed for effortless indoor-outdoor living, the home offers inviting spaces for both relaxing and gathering. Recent improvements include new windows and Hardie board siding for added beauty and peace of mind. A rare waterfront retreat with timeless character and an exceptional setting ~ Welcome Home!

Estimated Monthly Payment

What Would I Pay?

Real estimated payments for this home by loan type — including this community's HOA and CDD, estimated taxes (reassessed at the purchase price) and insurance. Adjust anything below.

FHA
3.5% down · $48,125
$11,675/mo
Principal & interest$8,525
Property tax (est.)$1,313
Insurance (est.)$1,031
FHA MIP$608
HOA dues$198
CDD assessment$0
Cash to close: ~$48,125 down · MIP financed
VA
$0 down
$11,411/mo
Principal & interest$8,869
Property tax (est.)$1,313
Insurance (est.)$1,031
VA fee (financed)$0
HOA dues$198
CDD assessment$0
Cash to close: ~$0 down · VA funding fee financed
Conventional
20% down · $275,000
$9,488/mo
Principal & interest$6,946
Property tax (est.)$1,313
Insurance (est.)$1,031
PMI$0
HOA dues$198
CDD assessment$0
Cash to close: ~$275,000 down

Rate: 6.490% (Freddie Mac 30-yr avg, as of Jun 25, 2026). Taxes estimated as purchase price × 85% assessed × this property's 1.41% effective millage, plus actual HOA. Insurance is a Florida ballpark. Estimates only — your actual rate, taxes, insurance, and mortgage insurance depend on credit, lender, and underwriting. Not a loan offer or commitment.

Property Details

Home Facts

TypeSingle Family
Year built1980
SubdivisionSawgrass Garden Homes Ii
Parcel (RE#)066242 0280
Legal description13-99 100 SAWGRASS GARDEN HOMES II LOT 28 OR1209/288 & 1325/1471 & 3720/639(T/R) & 5713/1230

Valuation · 2025

Value

Just / Market
$1,375,000
Assessed
$314,414
Taxable
$258,692
2025 Property Tax
$3,644
Homestead Exemption
Yes $50,000 exempt

Estimated 2025 ad-valorem property tax (County taxable value × millage); excludes non-ad-valorem assessments. Homestead status per the County tax roll.

HOA Dues
$1,188 / Semi-Annually
CDD Assessment

HOA dues & CDD assessments are community-level (source: MLS). Confirm current amounts with the association or management.

History

Sale History

DatePriceDeed
1996-11-20

Location

Map

How far to
Open in Google Maps →

Utilities

Service Providers

⚡ Electric
Florida Power & Light (FPL)
💧 Water
St. Johns County Utility Department
🚽 Sewer
St. Johns County Utility Department

Providers serving this area — please confirm service directly with the provider.

Schools

Assigned & Nearby Schools

Nearby Private Schools

Zoned public schools from Duval County Public Schools attendance boundaries — magnet/choice options may also apply. Confirm enrollment with the school district.

Bryce Spraggins, Licensed Real Estate Broker

List With Me

Selling in Sawgrass Garden Homes Ii? List with the broker built for your community.

I'm Bryce Spraggins, a licensed Florida real estate broker — and The HOA Collective works Sawgrass Garden Homes Ii every day. We're on a mission to make community management more affordable: every home we sell helps fund reduced-cost management software and services for HOAs through MyHOAClub.

Questions & Answers

Frequently Asked

What schools serve 128 LAKE JULIA DR N?
The zoned public schools for 128 LAKE JULIA DR N in Sawgrass Garden Homes Ii are Ponte Vedra Palm Valley- Rawlings Elementary School (elementary), Alice B. Landrum Middle School (middle), Ponte Vedra High School (high). Magnet and choice options may also apply — confirm enrollment with the district.
What are the property taxes on 128 LAKE JULIA DR N?
The most recent annual property tax for 128 LAKE JULIA DR N is about $3,644 (2025 tax year), with a homestead exemption applied. Any CDD assessment is billed in addition.
What is the HOA fee for 128 LAKE JULIA DR N?
Homes in Sawgrass Garden Homes Ii have an HOA fee of about $1,188 twice a year (based on recent MLS listings).
What would the monthly payment be on 128 LAKE JULIA DR N?
At about a 6.49% 30-year rate, the estimated monthly payment for 128 LAKE JULIA DR N is roughly $9,488 with a conventional loan (20% down), $11,675 with FHA (3.5% down), or $11,411 with a VA loan (0% down). Each figure includes principal and interest, estimated property taxes and insurance, mortgage insurance where applicable, plus the Sawgrass Garden Homes Ii HOA. Use the payment calculator on this page to adjust the numbers.

Property data is sourced from the St. Johns County Property Appraiser public records (view official record →). Values are appraiser estimates and may not reflect market price.