Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in Riverwood, Ponte Vedra — a 55+ community home in Nocatee.

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Pending

Pending·425 days on market·Riverwood

447 Orchard Pass Avenue

Ponte Vedra, FL 32081

$399,895$214/sqftEst. $2,056/moMLS# 2073076

Beds

Baths

1,873

Sq Ft

2020

Built

Garage

Pool

About this home

Riverwood

Exceptional 3-Bedroom Condo in Del Webb Ponte Vedra - A vibrant and very active Premier 55+ Community! This condo boasts an open, airy feel, high ceilings, and a lanai that stays cool year-round being shaded by a beautiful preserve setting. An ideal layout great for entertaining and perfect for enjoying the beautiful Florida weather. Key Features & Upgrades Include: Gorgeous wide plank tile floors, light quartz countertops in kitchen & baths, upgraded cabinets & lighting t/out, stainless steel appliances, Nest thermostat, water softener, spacious laundry rm with sink, and storage rack in garage. This home is in like-new condition, having been gently lived in, and is built with strong concrete block construction. It's a perfect combination of comfort, style, and durability and looks like a model home. Some furniture & accessories may be purchased thru a separate transaction.

Cost to own

Mortgage calculator

Home Price

$399,895

Down Payment: 20%

$79,979

Interest Rate: 6.66%

Loan Term

Monthly Payment

$2,056

Principal & Interest: $2,056

Property taxes (est.): $532

Insurance (est.): $267

Estimated Total Monthly

$2,855

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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.

Cost to own

True monthly cost

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

Principal & interest20% down · 6.66% · 30yr$2,056

Property taxesest. at asking price, St. Johns County$532

HOAbilled monthly$235

Estimated total, before insurance$2,823/mo

Seller’s 2024 tax billper the MLS — includes any CDD / assessments$6,309/yr · $526/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 (that applies to the reference bill above too).

Cost to own

Taxes & assessment

Last sold: $415,000 in June 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$359,910	$359,910	—
2024	$359,910	$359,910	—
2023	$359,910	$195,068	—
2022	$260,000	$187,930	—
2021	$231,000	$181,000	—

2024 property taxes (current owner): $6,309/yr

Estimated taxes if purchased at asking price: ~$6,400/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 (2025), NEFMLS.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Zone X — minimal flood hazard

Flood insurance is typically not required by lenders (always optional).

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Hurricane evacuation zone D

Zone D evacuates after zones A, B, C in an approaching storm.

Roof: Shingle — year not disclosed (home built 2020)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Sewer & public water · JEA

County records show this parcel on central sewer served by JEA — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,751 usable sun-hours per year

A strong solar roof by Florida standards — worth pricing panels if energy bills matter to you.

Krista can connect you with local insurance quotes before you make an offer.

Ask about this home

As of July 2026, this Reality Check is informational only — it draws on FEMA/FDEM hazard layers, Florida DOH water records, and the listing’s own fields at this property’s coordinates. None of it is a determination, survey, or inspection, and public records can lag or conflict with on-site conditions. Independently verify anything you’ll rely on: the flood zone at msc.fema.gov and floridadisaster.org/knowyourzone (and confirm flood-insurance cost with your lender and a licensed insurance agent), and the sewer/septic, roof, and utilities with a professional inspection.

History

Price & status history

Jul 30, 2026Pending$399,895
Jul 25, 2026Active$399,895
Jul 1, 2025Listed$399,895

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

Features

Price$399,895

Price / Sq Ft$214

Bedrooms3

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage1,873

Year Built2020

TypeResidential

Sub-TypeCondominium

StyleTraditional

Property ConditionUpdated/Remodeled

StatusPending

# of Garages1

Has PoolNo

Is WaterfrontYes

Gated CommunityYes

55+ CommunityYes

Community Information

Address447 Orchard Pass Avenue, Ponte Vedra, FL 32081

Area272-Nocatee South

SubdivisionRiverwood By Del Webb

CityPonte Vedra

CountySt. Johns

StateFL

Zip Code32081

Parcel Number0702521004

Amenities

AmenitiesPool, Basketball Court, Clubhouse, Fitness Center, Gated, Jogging Path, Security, Spa/Hot Tub, Tennis Court(s)

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Garage Door Opener

ViewPond, Protected Preserve

Waterfront TypePond

Interior

Interior FeaturesBuilt-in Features, Ceiling Fan(s), Eat-in Kitchen, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Oven, Electric Range, Electric Water Heater, Ice Maker, Microwave, Refrigerator, Washer, Water Softener Owned

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringCarpet, Tile

# of Stories1

LevelsOne

SecurityGated with Guard, Security Gate

Spa FeaturesCommunity