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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in Bermuda Bay, Ponte Vedra Beach.

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Sold

Sold·Closed Feb 10, 2025·179 days on market·Recent sales in Bermuda Bay·Bermuda Bay

200 Bermuda Bay Circle 203

Ponte Vedra Beach, FL 32082

$490,000sold priceListed at $490,000 · 100% of asking$257/sqftMLS# 2036833
3
Beds
2
Baths
1,910
Sq Ft
1998
Built
2
Garage
No
Pool

2 more homes for sale in Bermuda Bay →Search Bermuda Bay on the map

HOA $650/moCondominium2 stories

About this home

Bermuda Bay

$15k reduction!Walk to Mickler Beach from this elegant ground floor unit!This concrete block boutique gated complex backs up to private preserve views and the sound of ocean waves. Step inside and be amazed by the large living area which opens to a beautiful Florida Room with Eastern facing lush private views! A perfect spot to relax or enjoy morning coffee. Note all the natural light from the wall of windows accessorized with electric blinds. The Owner's Suite features an updated spa-like bathroom with his and hers sinks,TWO large walk-in closets, and French doors to the Florida Room.The additional 2 Bedrooms,updated full bath, & laundry room are separate from the Owner's Suite in their own wing of the unit.Other features to note: Plantation shutters,luxurious patterned carpet in secondary bedrooms, updated elegant lighting, 2020 tile roof.A private 2-car garage with tons of storage is just steps away from the unit. Walk across the street to the famed Ponte Vedra Concert Hall, & bike

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$2,714
Property taxesest. at asking price, St. Johns County$652
HOAbilled monthly$650
Estimated total, before insurance$4,016/mo
  • • Homeowners insurance is on top — in Florida it varies widely with roof age and wind/flood zone (see the Reality Check below). Budget it before you offer.
  • • In CDD communities (Nocatee, eTown, Seven Pines…), bond assessments are collected on the property-tax bill, and the amount varies home to home — a prior owner may have prepaid the bond — so we confirm this home’s exact line rather than trust a community average.
  • • Taxes are estimated at YOUR purchase price — Florida assessments reset on sale, so the seller’s current bill is usually lower than yours will be.
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$490,000
$98,000
Loan Term
Monthly Payment
$2,714
Principal & Interest: $2,714
Property taxes (est.): $652
Insurance (est.): $327
Estimated Total Monthly
$3,693
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, Freddie Mac PMMS via FRED). Taxes use the county effective rate; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs may vary.

Sun & Light

East-facing backyard — the morning-light lot

The listing reports the home facing west, which puts the backyard on the east side. Today at this address: sunrise 7:25 AM, sunset 6:59 PM.

  • The rear takes the sunrise and the gentle morning sun, then goes shaded through the afternoon — the classic comfortable-summer-evening lanai in Florida.
  • A pool back here warms with the morning and sits in shade by late afternoon: cooler water than a west lot, and evening swims without the glare.
  • The front of the home carries the hot western afternoon instead of your living space.

Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.

Cost to own

Taxes & assessment

2023 property taxes (current owner): $5,259/yr

Estimated taxes if purchased at asking price: ~$7,800/yr

Florida’s Save Our Homes cap limits how fast the current owner’s assessment can rise — and it resets when a home sells, so a buyer’s tax bill is typically based on the purchase price, not the seller’s bill above. Estimate uses the median effective rate across 1,595 current St. Johns listings and includes typical non-ad-valorem assessments; actual taxes depend on exemptions and taxing district. Sources: Florida DOR certified tax roll, NEFMLS.

History

Price & status history

  • Aug 11, 2024Listed$490,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Closed sales

What sold nearby

Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $372/sq ft; this home is listed at $257/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
100 Bermuda Bay Circle 105, Ponte Vedra Beach, FL 32082Listed by THE AGENCY AT PONTE VEDRAJul 2026$515,000$2713/21,903370
200 Bermuda Bay Circle 202, Ponte Vedra Beach, FL 32082Listed by DAVIDSON REALTY, INC.Jun 2026$505,000$2593/21,9471170
10025 Sawgrass Drive E, Ponte Vedra Beach, FL 32082Listed by PONTE VEDRA CLUB REALTY, INC.Jun 2026$530,000$3722/21,424171.4
9777 Sawgrass Drive E, Ponte Vedra Beach, FL 32082Listed by WATSON REALTY CORPJul 2026$590,000$4142/21,424191.7
119 Willow Pond Lane, Ponte Vedra Beach, FL 32082Listed by PONTE VEDRA CLUB REALTY, INC.Sep 2026$828,750$4013/32,066201.8
132 Willow Pond Lane, Ponte Vedra Beach, FL 32082Listed by KEARNEY REAL ESTATE SERVICES,Aug 2026$605,000$3213/2.51,886241.8

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

Features

Price$490,000
Price / Sq Ft$257
Bedrooms3
Bathrooms2.00
Full Baths2
Square Footage1,910
Year Built1998
TypeResidential
Sub-TypeCondominium
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontNo
Direction FacesWest

Community Information

Address200 Bermuda Bay Circle 203, Ponte Vedra Beach, FL 32082
Area261-Ponte Vedra Bch-S Of Corona-E Of A1E/Lake Pv
SubdivisionBermuda Bay
CityPonte Vedra Beach
CountySt. Johns
StateFL
Zip Code32082
Parcel Number0685600203

Amenities

UtilitiesWater Connected
Water SourcePublic
ParkingGarage

Interior

AppliancesDishwasher, Dryer, Electric Oven, Washer
HeatingCentral
CoolingCentral Air
# of Stories2
SecuritySecurity Gate

Exterior

ConstructionBlock

Additional Information

Date ListedAugust 11, 2024
Days on Market179
HOA Fees$650 / Monthly
HOA FrequencyMonthly
Tax Amount$5,258.7
Tax Year2023
Listing TermsCash, Conventional, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: RE/MAX SPECIALISTS PV

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

The neighborhood

About Bermuda Bay

Bermuda Bay is a neighborhood in Ponte Vedra Beach Condos, FL (St. Johns County), ZIP 32082.

View all Bermuda Bay homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Feb 10, 2025. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.

Text Krista about this saleHomes for sale nearby →

20+ years · 500+ closings · NE Florida

Curious what nearby homes sold for?

MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

Northeast Florida living

Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines