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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 Fairfield, Ponte Vedra Beach — a gated community home in Ponte Vedra Beach.

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Sold

Sold·Closed Jul 23, 2025·13 days on market·Recent sales in Fairfield·Fairfield

115 Island Drive

Ponte Vedra Beach, FL 32082

$560,000sold priceListed at $580,000 · 96.6% of asking$384/sqftMLS# 2091320
3
Beds
2.5
Baths
1,457
Sq Ft
1986
Built
2
Garage
No
Pool

9 more homes for sale in Fairfield →Search Fairfield on the map

HOA $287/mo5,663 sqft lotWaterfrontSingle Family Residence2 stories

About this home

Fairfield

This well maintained home is move in ready and is located in one of the most walkable neighborhoods in PVB. Shopping with a Starbucks is just a short stroll. The owner's suite is on the lower level and looks out over the community lake. Roof was replaced in 2022. Water heater replaced 2023. Priced to make the home your own... Dining room light does not convey.

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$3,102
Property taxesest. at asking price, St. Johns County$745
HOAbilled quarterly$287
Estimated total, before insurance$4,134/mo
Seller’s 2024 tax billper the MLS — includes any CDD / assessments$2,491/yr · $208/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$560,000
$112,000
Loan Term
Monthly Payment
$3,102
Principal & Interest: $3,102
Property taxes (est.): $745
Insurance (est.): $373
Estimated Total Monthly
$4,220
*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.

Storms & insurance

Florida Reality Check

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

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

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

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — 2022 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

Solar potential: ~1,659 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

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.

Sun & Light

Southeast-facing backyard — winter sunrises, bright mornings

The listing reports the home facing northwest, which puts the backyard on the southeast side. Today at this address: sunrise 7:25 AM, sunset 6:58 PM.

  • The rear takes strong morning-to-midday sun and eases off by late afternoon; in winter the sun rises almost straight into this exposure.
  • A comfortable compromise lot: real pool sun without the western afternoon heat.

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

2024 property taxes (current owner): $2,491/yr

Estimated taxes if purchased at asking price: ~$8,900/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

  • Jun 4, 2025Listed$580,000

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 $376/sq ft; this home is listed at $398/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
802 Tournament Road, Ponte Vedra Beach, FL 32082Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERSJun 2026$495,000$3752/21,32140.1
148 Willow Pond Lane, Ponte Vedra Beach, FL 32082Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTYJun 2026$450,000$2543/21,770100.3
7 Walkers Ridge Drive, Ponte Vedra Beach, FL 32082Listed by KEARNEY REAL ESTATE SERVICES,Jul 2026$670,000$3653/21,8381040.5
7 Northgate Drive, Ponte Vedra Beach, FL 32082Listed by KEARNEY REAL ESTATE SERVICES,Jul 2026$660,000$4522/21,4592141
2605 St Noelle Court, Ponte Vedra Beach, FL 32082Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERSJul 2026$465,000$4132/21,126101.3
2522 Dauphine Court W, Ponte Vedra Beach, FL 32082Listed by COMMUNITY REALTY ASSOCIATESJul 2026$620,000$3763/21,6513681.3

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$580,000
Price / Sq Ft$398
Bedrooms3
Bathrooms2.50
Full Baths2
Half Baths1
Square Footage1,457
Total Structure Area1,765 sq ft
Acres0.13 acres
Year Built1986
TypeResidential
Sub-TypeSingle Family Residence
StylePatio Home
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontYes
Gated CommunityYes
Direction FacesNorthwest

School Information

Community Information

Address115 Island Drive, Ponte Vedra Beach, FL 32082
Area263-Ponte Vedra Beach-W Of A1A-S Of CR-210
SubdivisionFairfield
CityPonte Vedra Beach
CountySt. Johns
StateFL
Zip Code32082
Lot Size5,662.8 sq ft
Parcel Number0662110080
ZoningResidential

Amenities

AmenitiesPool, Basketball Court, Clubhouse, Fitness Center, Gated, Jogging Path, Playground, RV/Boat Storage, Tennis Court(s)
Community FeaturesSidewalks, Gated
UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingGarage
ViewPond
Waterfront TypePond

Interior

Interior FeaturesBreakfast Nook, Ceiling Fan(s), Primary Bathroom - Tub with Shower, Primary Downstairs, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Dryer, Electric Oven, Electric Range, Electric Water Heater, Microwave, Refrigerator, Washer
HeatingCentral, Electric
CoolingCentral Air
FlooringCarpet, Wood
# of Stories2
LevelsTwo
LaundryIn Garage
SecurityGated with Guard, Smoke Detector(s)

Exterior

Patio / PorchRear Porch, Screened
RoofShingle
ConstructionFrame, Wood Siding
Road SurfaceAsphalt
Road FrontagePrivate Road

Additional Information

Date ListedJune 4, 2025
Days on Market13
HOA Fees$862 / Quarterly
HOA FrequencyQuarterly
Tax Amount$2,491.43
Tax Year2024
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: WATSON REALTY CORP

Sold by: BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY (buyer's brokerage)

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 Fairfield

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

View all Fairfield homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Jul 23, 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