Ponte Vedra 32081

Name: 32081 Ponte Vedra, FL housing market record
Creator: Lotvox
License: https://lotvox.com/terms

Saint Johns County, FL · 13,688 properties with county records

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Ponte Vedra 32081 is in Saint Johns County, FL, part of the Jacksonville Metro. The typical home value in Ponte Vedra 32081 is $660,149 (Zillow Home Value Index, August 2026), down 1.0% from a year earlier. Homes that sold went under contract in a median 90 days, and 30% of listings took a price cut (Redfin Data Center, period ending Aug 31, 2026). On Lotvox's market-leverage reading of that data, with 2.6 months of supply, sellers hold a slight edge. The Lotvox Turnover Index is not published for 32081 yet: it appears only where a held-out test on the county's recorded sales beats chance. Across Saint Johns County's 10 ZIPs with a Zillow value, the middle one is $481,248, so 32081 sits 37% above the county middle. Typical rent is $2,399 a month (Zillow Observed Rent Index, August 2026). Lotvox holds county assessor records for 13,688 properties in 32081.

Headline value data through August 2026. Each source below carries its own date.

Is 32081 a buyer's or seller's market?

By Lotvox's leverage reading of Redfin data through Aug 31, 2026, 32081 is a seller's market, narrowly. Homes went under contract in a median 90 days with 2.6 months of supply.

What do homes in 32081 sell for?

The typical home value in 32081 is $660,149 (Zillow Home Value Index, August 2026), down 1.0% in a year. County records put the median at about $196 per square foot (computed Apr 21, 2026).

Who is likely to sell in 32081?

Lotvox only publishes its Turnover Index where a held-out test on recorded sales beats chance, and 32081 has not passed that test yet. When it does, the score appears here.

How does 32081 compare to Saint Johns County?

32081's typical value of $660,149 compares with a middle value of $481,248 across Saint Johns County's 10 ZIPs. Both are Zillow Home Value Index figures for August 2026.

Where does this 32081 data come from?

Values and rents come from Zillow's research data, sales pace from the Redfin Data Center, and property counts and turnover from county assessor and deed records. Each number on this page carries its own date, and the method is published at lotvox.com/methodology.

Sources: Zillow Home Value Index (ZHVI) (as of Aug 31, 2026) · Redfin Data Center (as of Aug 31, 2026) · Zillow Observed Rent Index (ZORI) (as of Aug 31, 2026) · county assessor records (counted Oct 15, 2026) · How Lotvox works

Cite as: Lotvox ZIP market record, 32081 Ponte Vedra, FL, data through August 2026, https://lotvox.com/jacksonville/zip/32081

Listings Flow Ladder — Listings flow could not be loaded (429).

Should you buy here?

buyer-timing lens

48affordability /100

Buyer leverage is seller slight; weigh payment burden and the 3-lens valuation before bidding.

Payment burden

34.2%

stretched

Days on market

daily

Price cuts

30.1%

of active

Valuation

-34.7%

vs assessor

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Rent vs own — the renter's question first

$2,399

median rent · per month

$4,317

total cost to own · per month

+$1,918

more to own · per month

Rent to price — the investor's question first

22.9×

price to annual rent

Lower is friendlier to a buy-to-let case. This is a ratio of published medians, not a yield on any particular property.

/100

Mixed

cooling · seller slight · prices easing year-over-year.

Price trend

Affordability

Valuation

Economic health

Verdict grades housing conditions; buyer-timing, investor cash-flow, supply-tightness and county macro scores answer different questions — each in its own section.

Buyer / seller

buyer-timing lens

Negotiate Hard

Needs 12.3% correction for affordability

DOM: 110d (stable) · Market Dynamics rolling median · hourly

Score Components

Payment Burden (25%)50

Valuation Gap (25%)40

Supply & Demand (20%)100

Buy vs Rent (15%)75

Cancellation Rate (10%)50

Days on Market (5%)100

Moderate buyer leverage in 32081. Room to negotiate 5-10% below list. Payment burden: 31.4% of median income. Median days on market: 110. Renting is approximately 95% cheaper than buying (price-to-rent ratio: 23.4).

What to Offer

Offer 5-10% below list. You have room to negotiate.

Conditions resemble 2019 pre-pandemic levels — moderate overvaluation with slowing demand. Negotiation room exists.

COOLINGSELLER SLIGHT

Market is cooling with expanding inventory. Sellers hold a slight edge.

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<p style="font:12px system-ui;margin:4px 0 0"><a href="https://lotvox.com/jacksonville/zip/32081?utm_source=embed&utm_medium=backlink">Ponte Vedra 32081 housing market data</a> by <a href="https://lotvox.com/">Lotvox</a></p>

Market snapshot

each number, once

Median price

$660,149

▾ 1.0% YoY

Days on market

daily · zip_data

Median rent

$2,399

ZORI

Investor score

32/100

cash-flow lens

Active listings

250

90-day

Valuation

3 lenses, different anchors

vs assessor

-34.7%

Market vs assessed value — a tax-roll lag, not a deal signal.

Avg assessor$431,200

county CAMA · properties_v

vs income

—

Fair-value model not available for this market.

fair_value_scores · 10-state coverage

vs county comps

+59.9%

County-wide market — the widest, slowest signal.

St. Johns+59.9%

Duval+64.4%

Lotvox comps · mv_valuation_gap

Read together: Above county comps but sustainable on local incomes.

Pricing detail

Price / sqft$196

Price-to-income5.2×

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How 32081 ranks in FL

percentile vs all Florida ZIPs · n=1098

Market velocity27%

Supply tightness0%

Affordability41%

Investment yield14%

Appreciation40%

Affordability, supply & momentum

16SUPPLY

OversuppliedSupply Tightness

Ample inventory — buyers have time and leverage to negotiate.

Months of Supply18.5 mo

Days on Market90d

Inv vs History-30.5%

Listing Density30.3/1k

Affordability — payment burden

Monthly payment (P&I)$3,657

Payment burden34.2%

Median income · ZIP$128,316

Mortgage rate7.4% · 30yr

Total monthly own$4,317

Monthly rent$2,399

Market dynamics

Price cut %30.1%

Momentumcooling

LeverageSELLER SLIGHT

Months of supply2.6

Sales (90d)285

Investment analysis

Median rent$2,399

Price-to-rent22.9

Est. cap rate2.8%

Buy vs rentfavors renting

Livability

Walk score—

Transit score—

Bike score—

Historical trends

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Housing pulse

4 charts, one facade

Housing pulse — Housing pulse could not be loaded (429).

Price bands

mix-shift

Price Bands — the median behind the median

A single median rises whenever expensive homes become a bigger share of what sells, even if no tier got more expensive. These are the tiers underneath it, computed from recorded arms-length deed transactions in St. Johns.

Current tiers · 12 months to Aug 25floor 10 sales/tier

1 tier had too few sales in this ZIP and are shown at county or metro level — see the stamp on each row.

Tier	Median	$/sqft	Sales	Share	Source
Under $250k	$185k	$181	906	—	COUNTY · St. Johns, FL
$250k–$500k	$445k	$228	145	14.1%	ZIP
$500k–$750k	$620k	$244	445	43.3%	ZIP
$750k–$1M	$840k	$261	218	21.2%	ZIP
$1M–$1.5M	$1.19M	$310	168	16.3%	ZIP
$1.5M–$2M	$1.73M	$358	33	3.2%	ZIP
$2M+	$2.28M	$410	15	1.5%	ZIP
All sales (the headline median)	$695k	$255	1,028	100%	ZIP

No mix-shift history for this area. no geography from this ZIP up to metro has 8+ quarters of 10+ recorded arms-length sales across at least 4 price tiers. Trends are drawn only from recorded transactions; the last-sale snapshot above cannot carry a time series, because a property that sold twice keeps only its latest sale — which drags the history upward through the tiers and would invent the very mix shift this section exists to test for.

National context — not local

NAR's aggregate existing-home median for the United States and the South census region. This is the figure the tiers above are a check on. It is national/regional and says nothing about 32081.

United States
South

Copyright, National Association of Realtors. Reprinted with permission. Retrieved from FRED, Federal Reserve Bank of St. Louis. FRED publishes a rolling 13-month window for these series.

Tiers computed from Lotvox parcel and deed substrate through Aug 25 (10 later months withheld as partially loaded). Sample floor 10 sales per tier; below it a figure is drawn from the county or metro and labelled, or left blank. Multi-parcel bulk deeds and duplicate records are excluded.

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Saint Johns County context

macro · jobs · debt · migration

ZIP score grades housing; county score adds macro distress (jobs, debt, poverty). They answer different questions.

This ZIP code crosses county lines. Property data shows St. Johns (91.6%) and Duval (8.4%). County metrics below are shown separately for each county.

St. Johns (91.6%)

Duval (8.4%)

ZIP 32081→2 counties

12-Month Direction

-5Stable

Confidence

100%

DeterioratingStableImproving

BuildersLens Market Intelligence

Market Score

40· Weak

Market Score grades housing-market conditions (affordability, valuation, supply). The county Healthy/Moderate/Distressed badge measures economic distress (jobs, debt, poverty) — the two can read differently.

Payment Burden

34.2%

stretched

Source: Freddie Mac PMMS (FRED MORTGAGE30US) 7.4% · Zillow ZHVI · Census income · Updated 2026-10-08

Price-to-rent

22.9x

favors renting

Source: Zillow ZHVI ÷ (Zillow ZORI × 12)

Valuation17

+59.9%

overvalued

Source: Lotvox comps · Updated 2026-05-15

Supply/Demand

2.6 mo

seller's market

Source: Redfin Data Center (ZIP): inventory ÷ monthly homes sold · Updated 2026-08-31

Insurance Risk

46/100

moderate

Source: FEMA/NFIP · Updated 2026-04

County distress indicators

ECONOMIC INDICATORS

Economic indicators are mixed relative to comparable U.S. counties.

Unemployment Rate

Near national averages

Source: BLS LAUS · 2026-0845d ago

Poverty Rate

Lower than most U.S. counties

Median Household Income

Higher than most U.S. counties

Cost of Living (RPP)

Near national averages

Home Value (ZHVI)$492,726

County data: BLS, Census ACS, CDC, FBI UCR, Federal Reserve, USDA · Coverage derived from property records · Counties with <2% coverage excluded as likely data errors