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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 Ocean Grove Condos, Ponte Vedra — a home near Ponte Vedra High School.

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Sold

Sold·Closed Jan 30, 2026·137 days on market·Recent sales in Ocean Grove Condos·Ocean Grove Condos

21 Arbor Club Drive 101

Ponte Vedra, FL 32082

$195,000sold priceListed at $203,900 · 95.6% of asking$258/sqftMLS# 2098424
1
Beds
1
Baths
755
Sq Ft
1992
Built
—
Garage
No
Pool

9 more homes for sale in Ocean Grove Condos →Search Ocean Grove Condos on the map

HOA $351/moCondominium1 story

About this home

Ocean Grove Condos

TPC Sawgrass area condo! Don't miss this opportunity to own one of the most affordable and well-maintained condos in Ponte Vedra Beach — just minutes from the world famous TPC Golf course. This unit is being sold beautifully furnished and is a ground-floor unit located in Ocean Grove, a sought-after community known for its care and value and located right on A1A. Inside, you'll find a spacious 1-bedroom, 1-bath layout with ceramic tile flooring throughout. The kitchen features recently updated stainless steel appliances, including a double oven and low-profile microwave. The in-unit washer and dryer are newer additions, and the HVAC system is only 5 years old. For cozy nights or added ambiance, enjoy your own wood-burning fireplace in the living room. TPC Sawgrass is only a half a mile away and the beach is located just across A1A with a rare and private deeded beach access. This is a true gem for snowbirds, year round residents and vacationers alike. Schedule your showing today!

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$1,080
Property taxesest. at asking price, St. Johns County$259
HOAbilled monthly$351
Estimated total, before insurance$1,691/mo
Seller’s 2024 tax billper the MLS — includes any CDD / assessments$1,019/yr · $85/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

$195,000
$39,000
Loan Term
Monthly Payment
$1,080
Principal & Interest: $1,080
Property taxes (est.): $260
Insurance (est.): $130
Estimated Total Monthly
$1,470
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-15, 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 — year not disclosed (home built 1992)

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

Solar potential: ~1,704 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.

Around this address

Nearby, from public data

The closest public beach, park, water access and league fields from this home's location.

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.

Cost to own

Taxes & assessment

2024 property taxes (current owner): $1,019/yr

Estimated taxes if purchased at asking price: ~$3,100/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.

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 $262/sq ft; this home is listed at $270/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
29 Arbor Club Drive 216, Ponte Vedra Beach, FL 32082Listed by PONTE VEDRA CLUB REALTY, INC.Feb 2026$230,000$2441/1944880
7 Arbor Club Drive 102, Ponte Vedra Beach, FL 32082Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINEAug 2026$216,000$2861/175550.1
100 Fairway Park Boulevard 1507, Ponte Vedra Beach, FL 32082Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERSJun 2026$159,900$2931/1546120.1
100 Fairway Park Blvd 405, Ponte Vedra Beach, FL 32082Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTYNov 2025$190,000$2262/2840430.1
100 Fairway Park Boulevard 108, Ponte Vedra Beach, FL 32082Listed by COASTAL REALTY JAXNov 2025$166,000$2621/1633650.1
100 Fairway Park Boulevard 1503, Ponte Vedra Beach, FL 32082Listed by RE/MAX SPECIALISTSOct 2025$128,000$1582/281030.1

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$203,900
Price / Sq Ft$270
Bedrooms1
Bathrooms1.00
Full Baths1
Square Footage755
Year Built1992
TypeResidential
Sub-TypeCondominium
StyleOther
Property ConditionUpdated/Remodeled
StatusClosed
Has PoolNo
Is WaterfrontNo
Gated CommunityYes
Direction FacesNortheast

School Information

Community Information

Address21 Arbor Club Drive 101, Ponte Vedra, FL 32082
Area262-Ponte Vedra Beach-W Of A1A-S Of Solana Rd
SubdivisionOcean Grove Of Ponte Vedra Condo
CityPonte Vedra
CountySt. Johns
StateFL
Zip Code32082
Parcel Number0615132101

Amenities

AmenitiesPool, Beach Access, Clubhouse, Gated, Maintenance Grounds, Management- On Site, Tennis Court(s)
UtilitiesCable Available, Sewer Connected, Water Available
SewerPublic Sewer
Water SourcePublic
ParkingParking Lot
ViewOther

Interior

Interior FeaturesCeiling Fan(s), Primary Bathroom - Tub with Shower
AppliancesDishwasher, Double Oven, Electric Oven, Electric Range, Microwave, Refrigerator, Washer/Dryer Stacked
HeatingCentral
CoolingCentral Air
FlooringTile
FireplaceYes
Fireplace FeaturesGas
# of Stories1
LevelsOne
LaundryIn Unit
SecuritySecurity Gate

Exterior

Exterior FeaturesTennis Court(s)
Lot DescriptionOther
Patio / PorchPatio, Screened
RoofShingle
ConstructionComposition Siding
Road SurfaceAsphalt
Road FrontageState Road

Additional Information

Date ListedJuly 17, 2025
Days on Market137
HOA Fees$351 / Monthly
HOA FrequencyMonthly
HOA NameOcean Grove
HOA Fee IncludesMaintenance Grounds, Trash
Tax Amount$1,019
Tax Year2024
Listing TermsAssumable, Cash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: MARK SPAIN REAL ESTATE

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 Ocean Grove Condos

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

View all Ocean Grove Condos homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Jan 30, 2026. 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

Is this home priced right?

Ask Krista and she'll email you her read on how this price compares with recent sales nearby.

Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

Northeast Florida living

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