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

1 / 24

Active

Active·3 days on market·Sawgrass

628 Summer Place

Ponte Vedra Beach, FL 32082

$850,000$966/sqftEst. $4,383/moMLS# 2112825

Beds

Baths

880

Sq Ft

1983

Built

—

Garage

Pool

About this home

Sawgrass

Experience coastal luxury in this one bedroom, one bathroom oceanfront condo located in the prestigious enclave of Sawgrass Country Club. Perfect for full time living or a relaxed beachside escape, the unit blends high end finishes, modern comfort and prime location with no rental restrictions. The covered patio is perfect for morning coffee, evening sunsets and listening to the waves. A new HVAC system ensures efficient, quiet climate control and new windows offer better insulation and reduce outside noise. Wake up to expansive Atlantic Ocean views in this secure, gated community with first class security, lush landscaping and beach access right outside your door. This condo offers a rare trifecta - oceanfront location in a top tier gated community with luxury finishes and unrestricted rental opportunities. New paver extension and boardwalk to ocean just completed. Welcome to your beach oasis!!

Cost to own

Mortgage calculator

Home Price

$850,000

Down Payment: 20%

$170,000

Interest Rate: 6.69%

Loan Term

Monthly Payment

$4,383

Principal & Interest: $4,383

Property taxes (est.): $1,131

Insurance (est.): $567

Estimated Total Monthly

$6,081

*30-year loan at 6.69% APR (avg 30-yr rate 2026-08-06, 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 · 6.69% · 30yr$4,383

Property taxesest. at asking price, St. Johns County$1,131

HOAbilled quarterly$510

Estimated total, before insurance$6,024/mo

Seller’s 2024 tax billper the MLS — includes any CDD / assessments$9,532/yr · $794/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

2024 property taxes (current owner): $9,532/yr

Estimated taxes if purchased at asking price: ~$13,600/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.

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 A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: material not specified — year not disclosed (home built 1983)

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

Sewer · St Johns County Utilities - accounts · Public water · St Johns County Utilities - water accounts

County records show this parcel on central sewer served by St Johns County Utilities - accounts — no septic system to inspect or maintain.

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

Solar potential: ~1,795 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 August 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