The story of this market
The typical home in ZIP 32081 sells for about $681,000, or $290 per square foot.
Prices are roughly flat from a year ago (-0.62%), a market in balance. Homes take about 82 days to sell, which is slow. HUD's fair market rent for a two-bedroom is $3,501 a month.
ZIP 32081 — Ponte Vedra Beach
The 32081 housing market remains competitive, characterized by high demand for master-planned communities despite a slight year-over-year dip in median prices. Inventory levels are tightening, and homes are selling faster than the previous year, indicating sustained interest from buyers. The market is driven by the area's reputation for top-tier schools and lifestyle amenities.
This ZIP is ideal for families and professionals seeking high-quality schools, master-planned community amenities, and a suburban lifestyle within commuting distance of Jacksonville.
Median prices moved down 0.6% year over year.
Homes spend a median of 82 days on market with 1.0 months of supply — a fast-moving market.
28% of listings have cut prices · homes sell at 98% of asking — demand is running ahead of supply.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 3.9% · poverty 5.7% — a stable, low-distress profile.
Researched annual trajectory for this ZIP, from published historical series
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 0.6%/yr trend — a deterministic estimate, not a published forecast or guarantee.
versus the prior ACS vintage
net influx — more people moved in than out
ZCTA 32081, St. Johns County FL
Not determinable at the ZIP level; St. Johns County generally reports lower crime rates compared to the broader Jacksonville metropolitan area.
The area is served by the St. Johns County School District, which is consistently ranked among the highest-performing districts in Florida.
The area is subject to hurricane and wind risk typical of the Florida Atlantic coast, with flood insurance requirements varying by specific elevation and proximity to water bodies.
The area is experiencing significant residential development and infrastructure expansion, driven by its proximity to Jacksonville's employment hubs and the growth of master-planned communities.
Composed from the ARED governance burden registry — tier-native tax structure (state + county + city + special districts), never averaged. State (Florida) — Statewide Uniform Property Tax Lien Priority & Tax Deed Sale Enforcement: Unpaid real ad valorem and non-ad valorem taxes become a first-priority sovereign lien on January 1 of the tax year, superior to all mortgages and private liens. If unpaid by April 1 following the tax year, tax certificates are sold via competitive bidding under § 197.432. State (Florida) — Community Development District (CDD) Special Assessment & Financing Lien Mandate: Binds the parcel to non-ad valorem assessments levied directly by the CDD board to fund infrastructure bonds (capital assessments) and operations/maintenance (O&M assessments). State (Florida) — Florida Constitutional Homestead Exemption & Save Our Homes (SOH) Assessment Cap: Reduces taxable value by up to $50,000: base $25,000 exemption applies to all taxing authorities (including school districts); second $25,000 exemption applies to assessed value between $50,000 and $75,000 for non-school millage. State (Florida) — Florida Ad Valorem Real Property Assessment & Tax Mechanics: Parcels are assessed annually at 100% just value (market value) as of January 1 by county property appraisers. Tax formula: Tax Bill = (Taxable Value / 1,000) * Total Levied Millage Rate. Assessed Value = Just Value - Assessment Limitations.
Residents primarily commute by car to employment centers in Jacksonville and St. Augustine via I-95 and SR 9B, with commute times typically ranging from 30 to 45 minutes.
The area features extensive master-planned amenities including community parks, walking trails, golf courses, and proximity to Atlantic beaches and shopping centers like Nocatee Town Center.
The rental market is characterized by high demand for single-family homes in master-planned communities, with steady rent growth and low vacancy pressure.
The local economy is anchored by the Jacksonville metropolitan area, with major sectors including healthcare, finance, logistics, and military/defense.
Transportation is heavily reliant on private vehicles, with major access provided by I-95 and local arterial roads connecting to the Jacksonville core.
The area continues to see significant residential build-out, particularly within the Nocatee master-planned community, with ongoing infrastructure improvements to support growth.
The St. Johns County Property Appraiser manages assessments, focusing on market value updates and homestead exemption administration.
Parcels in this ZIP are often subject to Community Development District (CDD) fees, which fund infrastructure and amenities within master-planned communities.
Property insurance premiums in this region are influenced by coastal hazard exposure, with many homeowners facing rising costs due to regional weather risks.
Florida continues to experience strong net domestic migration, with St. Johns County being a primary destination for new residents.
Florida is a judicial foreclosure state, requiring court intervention for the foreclosure process.
Florida law requires sellers to disclose known material defects that affect the value of the property.
Data retrieved from data.census.gov ZCTA-level tables.
Public schools whose reported address is in this area (NCES). Not attendance boundaries — schools that serve residents may sit outside it. Check the district's address locator for assignment.
Major retail and dining hub serving the master-planned community.
Highly-rated K-8 school serving the local community.
Key-figure check: no independent anchor retained yet — first-researched cycles establish the anchor baseline this pass.