4685 St James Avenue

Vero Beach, FL 32967

$1,600,000

$626/ft²

2Beds

2.5Baths

2,555Sq ft

1999Year built

Single-family homeType

About this home

Enjoy the Florida lifestyle in this beautiful lakefront pool home located in the sought-after Oak Harbor community. Featuring a spacious 2-bedroom plus den floor plan, this residence offers an open and inviting design with volume ceilings, plantation shutters, a cozy fireplace, whole house generator and a private primary suite with sitting area and walk-in closet. Relax while taking in peaceful lake views from the screened pool area and covered porch. Oak Harbor provides an outstanding array of amenities including 24-hour security, clubhouse, fitness, tennis, golf, dining, and more.

Features

Waterfront
Private pool
55+ community

Property details

Listing

MLS #: B26057396
Status: For sale
Listed on: Jul 28, 2026
Days on market: 13 days
Listing data updated: Jul 28, 2026

Interior

Beds: 2
Baths: 2.5
Living area: 2,555 ft²
Price per ft²: $626/ft²

Building & community

Type: Single-family home
Year built: 1999
HOA fee: $844/mo
County: Indian River

Lot & exterior

Lot size: 8,712 ft²
Waterfront: Yes
Private pool: Yes

Days on market, price per ft² and the monthly HOA amount are calculated by this site from the MLS data shown; the association fee is normalized to a monthly figure.

True monthly cost

Mortgage (principal & interest): $8,090
Property taxes (est.): $1,467
Home insurance (est.): $600
Flood insurance (est.): —
HOA fee: $844

Estimated total$11,001*/mo

* Some cost lines aren't available yet for this listing; the total shown is incomplete.

Based on 20% down, a 6.5% rate and a 30-year loan, plus this home's estimated Florida carrying costs. All figures are illustrative estimates — not quotes, not financial or insurance advice.

Sources: flood zone — FEMA National Flood Hazard Layer; mortgage, taxes and insurance figures — this site's own estimates; HOA / CDD — as reported for this listing.

What will this home really cost you?