The Ponte Vedra

531 LAKE RD

Ponte Vedra Beach, FL 32082
For Sale $5,310,000
5 bd · 5 ba · Built 1978
Bryce Spraggins — The HOA Collective
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Call or Text 904-747-1HOA

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 KELLER WILLIAMS REALTY ATLANTIC PARTNERS (gwinn@thevolengroup.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

A Hamptons-inspired beach house on one of Ponte Vedra Beach's most distinctive waterfront settings. 531 Lake Road is one of just 31 homes on an intimate, bridge-accessed island in the heart of Old Ponte Vedra. Set on nearly half an acre, this five-bedroom, four-and-a-half-bath home offers approximately 4,539 square feet with an expansive pool, broad lawn, private dock, and water views. White-painted brick and cedar shake set the tone, while Brazilian walnut floors, soaring ceilings, and exposed beams create relaxed sophistication inside. The family room with Isokern fireplace opens toward the outdoor living areas. The chef's kitchen features an oversized marble island, 8-burner Thermador range, Sub-Zero refrigeration and walk-in pantry. Outside, a substantial covered living area and Lynx outdoor kitchen overlook the pool, lawn, and water. A first-floor primary suite, flexible living spaces, and a new roof in 2025 complete this exceptional coastal retreat.

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 · $185,850
$44,894/mo
Principal & interest$33,505
Property tax (est.)$5,058
Insurance (est.)$3,983
FHA MIP$2,349
HOA dues$0
CDD assessment$0
Cash to close: ~$185,850 down · MIP financed
VA
$0 down
$43,898/mo
Principal & interest$34,857
Property tax (est.)$5,058
Insurance (est.)$3,983
VA fee (financed)$0
HOA dues$0
CDD assessment$0
Cash to close: ~$0 down · VA funding fee financed
Conventional
20% down · $1,062,000
$36,339/mo
Principal & interest$27,299
Property tax (est.)$5,058
Insurance (est.)$3,983
PMI$0
HOA dues$0
CDD assessment$0
Cash to close: ~$1,062,000 down

Rate: 6.660% (Freddie Mac 30-yr avg, as of Aug 27, 2026). Taxes estimated as purchase price × 85% assessed × this property's 1.36% effective millage. 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 built1978
SubdivisionPonte Vedra
Parcel (RE#)056817 0030
Legal description12/63-64 PONTE VEDRA SUB LOT 3 BLK 32 OR1921/227 & 6236/1669

Valuation · 2025

Value

Just / Market
$5,300,000
Assessed
$1,294,741
Taxable
$1,244,019
2025 Property Tax
$16,916
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.

History

Sale History

DatePriceDeed
1996-12-20

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, Jacksonville Realtor and licensed Florida real estate broker

List With Me

Selling in The Ponte Vedra? List with the Realtor built for your community.

I'm Bryce Spraggins, a Jacksonville REALTOR® and licensed Florida real estate broker — and The HOA Collective works The Ponte Vedra every day. We know your covenants, your comps, and what buyers ask about your neighborhood before they ever tour it.

Got it — thank you. I'll reach out shortly at the number you gave. If it's urgent, call or text 904-747-1HOA.
See the receipts — why homeowners list with us →

Our sister company

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My Fair Market Offer is our sister company and a direct cash home buyer in Jacksonville and NE Florida. Sell as-is with no repairs, no showings and no commission — useful if you need to close on a date certain. Same owner, same phone, no obligation either way.

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On the Market

Homes for Sale in The Ponte Vedra

Other active MLS listings in The Ponte Vedra.

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. © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

Questions & Answers

Frequently Asked

What schools serve 531 LAKE RD?
The zoned public schools for 531 LAKE RD in The Ponte Vedra 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 531 LAKE RD?
The most recent annual property tax for 531 LAKE RD is about $16,916 (2025 tax year), with a homestead exemption applied. Any CDD assessment is billed in addition.
What would the monthly payment be on 531 LAKE RD?
At about a 6.66% 30-year rate, the estimated monthly payment for 531 LAKE RD is roughly $36,339 with a conventional loan (20% down), $44,894 with FHA (3.5% down), or $43,898 with a VA loan (0% down). Each figure includes principal and interest, estimated property taxes and insurance, mortgage insurance where applicable, plus the The Ponte Vedra 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.