This home is in Riverwood, Ponte Vedra.

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Active

Active·179 days on market·Riverwood

404 Orchard Pass Avenue

Ponte Vedra, FL 32081

$419,900$231/sqftEst. $2,235/moMLS# 2092192

Beds

Baths

1,815

Sq Ft

2020

Built

Garage

Pool

About this home

Riverwood

Sun-filled, updated end-unit condo with open layout, screened porch, and custom closets. This move-in-ready home offers abundant natural light, extra privacy, and a modern open-concept design. The kitchen features stainless steel appliances, granite countertops, and updated lighting—ideal for everyday living and entertaining. Thoughtfully designed custom closet systems provide excellent storage and organization. Enjoy year-round relaxation on the spacious covered, screened porch. Located in the desirable Del Webb 55+ community, this beautifully maintained home offers low-maintenance living with resort-style amenities including a clubhouse, fitness center, indoor and outdoor pools, tennis courts, walking trails, and a full social calendar. Convenient to shopping, dining, and healthcare. Perfect for downsizing or a second home.

Cost to own

Mortgage calculator

Home Price

$419,900

Down Payment: 20%

$83,980

Interest Rate: 6.55%

Loan Term

Monthly Payment

$2,134

Principal & Interest: $2,134

Est. Taxes & Insurance: $534

Estimated Total Monthly

$2,668

*Estimates based on 30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, Freddie Mac PMMS via FRED). Actual payments 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 · 7.0% · 30yr$2,235

Property taxesest. at asking price, St. Johns County$559

HOAbilled monthly$235

Estimated total, before insurance$3,029/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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.

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$337,000	$148,321	—
2024	$344,910	$143,433	—
2023	$344,910	$137,799	—
2022	$245,000	$132,329	—
2021	$214,000	$214,000	—

2024 property taxes (current owner): $3,726/yr

Estimated taxes if purchased at asking price: ~$6,700/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: material not specified — 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: ~1,784 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

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History