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Welcome to Sawmill Lakes – A Family Favorite in Ponte Vedra Beach. Here’s your opportunity to make a home your own in one of the most highly desirable neighborhoods in Ponte Vedra Beach — Sawmill Lakes. Known for its friendly atmosphere, top-rated schools, and unbeatable location just minutes from the ocean, this community is perfect for families and dog lovers alike. With winding sidewalks, scenic ponds, and plenty of space to play or take your pup for a stroll, Sawmill Lakes offers the kind of lifestyle that’s hard to find. This well-laid-out home features four bedrooms, two and a half bathrooms, and over 2, 200 square feet of living space with a split floor plan that offers both privacy and functionality. Vaulted ceilings and abundant natural light create a warm, open feel throughout. The great room off the kitchen and the formal living and dining areas offer plenty of space to gather as a family or entertain guests. While ready for your personal updates, the home already has several major improvements completed, including luxury vinyl plank flooring (2021) in the main living areas, a new HVAC system (2023), and a roof replacement in 2013. The kitchen includes a newer refrigerator (2021) and microwave (2025) along with an electric range and dishwasher. The primary suite features a large walk-in closet, soaking tub, and separate shower, creating a relaxing retreat. Step outside to the All-Seasons room (not included in the square footage), which connects seamlessly to a screened lanai and a private backyard — ideal for kids, pets, or simply enjoying the Florida sunshine. Access the All-Seasons room through French doors from the living room or a sliding glass door from the great room. Additional highlights include a two-car garage, no CDD fees, and a location within the top-rated St. Johns County School District. With a Ponte Vedra Beach address, easy access to the beach, and a community that truly feels like home, this is a rare opportunity to live in one of the area’s most sought-after neighborhoods.
Our family of companies partner in delivering quality services in a one-stop-shopping environment. Together, we integrate the most comprehensive real estate, mortgage and insurance services available to fulfill your specific real estate needs.
Our family of companies offer our clients a new level of full-service real estate. We shall:
To learn more about our credentials, visit raveis.com today.
Our Executive Mortgage Banker:
Our Insurance Division:
$649,000
William Raveis Real Estate
Phone: 888.699.8876
Contact@raveis.com
RVP, Mortgage Banker
William Raveis Mortgage, LLC
Phone: 917.838.7300
Melissa.Cohn@raveis.com
NMLS Mortgage Loan Originator ID 16953
5/6 (30 Yr) Adjustable Rate Conforming* |
30 Year Fixed-Rate Conforming |
15 Year Fixed-Rate Conforming |
|
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Loan Amount | $519,200 | $519,200 | $519,200 |
Term | 360 months | 360 months | 180 months |
Initial Interest Rate** | 6.375% | 6.875% | 5.875% |
Interest Rate based on Index + Margin | 8.125% | ||
Annual Percentage Rate | 6.995% | 7.050% | 6.112% |
Monthly Tax Payment | $278 | $278 | $278 |
H/O Insurance Payment | $92 | $92 | $92 |
Initial Principal & Interest Pmt | $3,239 | $3,411 | $4,346 |
Total Monthly Payment | $3,609 | $3,781 | $4,716 |
* The Initial Interest Rate and Initial Principal & Interest Payment are fixed for the first and adjust every six months thereafter for the remainder of the loan term. The Interest Rate and annual percentage rate may increase after consummation. The Index for this product is the SOFR. The margin for this adjustable rate mortgage may vary with your unique credit history, and terms of your loan.
** Mortgage Rates are subject to change, loan amount and product restrictions and may not be available for your specific transaction at commitment or closing. Rates, and the margin for adjustable rate mortgages [if applicable], are subject to change without prior notice.
The rates and Annual Percentage Rate (APR) cited above may be only samples for the purpose of calculating payments and are based upon the following assumptions: minimum credit score of 740, 20% down payment (e.g. $20,000 down on a $100,000 purchase price), $1,950 in finance charges, and 30 days prepaid interest, 1 point, 30 day rate lock. The rates and APR will vary depending upon your unique credit history and the terms of your loan, e.g. the actual down payment percentages, points and fees for your transaction. Property taxes and homeowner's insurance are estimates and subject to change. The Total Monthly Payment does not include the estimated HOA/Common Charge payment.