This home is in Ocean Grande, Ponte Vedra Beach.

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Active Under Contract

Active Under Contract·243 days on market·Ocean Grande

215 Ocean Grande Drive PH3

Ponte Vedra Beach, FL 32082

$499,000$245/sqftEst. $2,656/moMLS# 2117909

Beds

Baths

2,036

Sq Ft

2002

Built

Garage

Pool

About this home

Ocean Grande

SELLER WILL PAY $12,500 TOWARD ''SOUTH PONTE VEDRA BEACH CLUB'' MEMBERSHIP WITH ACCEPTABLE OFFER. Enjoy the club while you remodel your new home. Incredible opportunity to own a Rare Penthouse unit at an unbelievable price. Bring your contractor to create your dream home. With a little TLC, this properties presents a fantastic opportunity to Personalize and add value. It is priced accordingly at over $250,000 less than comparable properties. Sold ''AS IS''. This home features: Vaulted tray ceilings, screened lanai, private garage, and in-unit laundry. Building features include: Block construction, newer tiled roof , elevator and covered walkways at entry of units. The association includes: Private Gated Community, Tennis courts, club house, a tunnel under A1A for access to South Ponte Vedra Ocean Club parking lot. Membership is separate. However the Lynda's restaurant is open to the public. Ocean Grande is located a short, 10 minute drive to Historic Old Saint Augustine.

Cost to own

Mortgage calculator

Home Price

$499,000

Down Payment: 20%

$99,800

Interest Rate: 6.49%

Loan Term

Monthly Payment

$2,521

Principal & Interest: $2,521

Est. Taxes & Insurance: $630

Estimated Total Monthly

$3,151

*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, 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$2,656

Property taxesest. at asking price, St. Johns County$664

HOAbilled monthly$933

Estimated total, before insurance$4,253/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	$599,500	$286,624	—
2024	$680,900	$282,698	—
2023	$653,697	$273,008	—
2022	$478,500	$263,600	—
2021	$410,300	$254,466	—
2020	$374,000	$250,262	—

2024 property taxes (current owner): $3,694/yr

Estimated taxes if purchased at asking price: ~$8,000/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 A

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

Roof: Tile — year not disclosed (home built 2002)

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

Solar potential: ~1,811 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