Ask Ben.
Ask Ben.
(904) 595-8967

Benjamin Subercaseaux, Sales Associate · Florida Homes Realty & Mortgage

$895,000

848 MILL STREAM Road, Ponte Vedra Beach, FL 32082

Odoms Mill

Price
$895,000
Beds / Baths
5 / 4
Living area
3,031 sqft
Year built
1999
Type
Residential
Lot
0.18 ac
Garage
2
HOA
$106/mo
CDD
No
Flood zone
Unknown
County
St. Johns
Days on market
95
Elementary
Ocean Palms
Middle
Alice B. Landrum
High school
Ponte Vedra

$295/sqft asking, vs a $406/sqft median across 846 closed sales in 32082 over the last 12 months — 27% below the area's closed prices. Home is priced 26.6% below comparable sales; remarks indicate no repair issues, so ask the listing agent why the discount exists.

Spacious and open 5 bedroom and 4 bath home in Odom's Mill. Walk to elementary or middle school from this well designed home. Situated on an extremely private lot with no homes across the street, come enjoy the amenities of Odom's Mill. Community pool, tennis, basketball courts await. Tile throughout most of the home with open kitchen, separate laundry room and bonus bedroom and full bath upstairs, give you and your family their own spaces. 5th bedroom is a den with glass french doors. Come enjoy Ponte Vedra Bch lifestyle

What to check on this one

  • Verify HOA $106/mo covers what—pool, tennis, courts, insurance, reserves?
  • Get exact flood zone designation and elevation certificate if AE/VE.
  • Confirm roof age; 1999 home may need inspection for insurer approval.
  • Request 4-point inspection; home is 25+ years old.
  • Verify plumbing type—polybutylene/cast-iron common in 1999 builds.
  • Pull HOA financial docs, reserve study, and any pending assessments.

Flagged from the listing itself — not an inspection, and no substitute for one. Bring these to the showing.

What this home really costs per month

Principal & interest$4,644/mo
Property tax (1.1% eff., St. Johns Co.)$820/mo
Homeowners insurance (est.)$522/mo
HOA$106/mo
All-in monthly (est.)$6,092/mo

Loan $716,000 at 6.75% · 30 yr

Not a loan quote. Rate, insurance, and tax are stated assumptions — a lender and an insurance agent give real numbers. Homestead exemption lowers taxes after you file.

Listing courtesy of KEARNEY REAL ESTATE SERVICES,. Data via realMLS (Northeast Florida MLS), updated Jul 18, 2026, 2:42 AM.

IDX information is provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.