This home is in Bermuda Bay, Ponte Vedra Beach — a home near Ponte Vedra High School.
Active·303 days on market·Bermuda Bay
300 Bermuda Bay Circle 308
Ponte Vedra Beach, FL 32082
All Bermuda Bay homes for sale →Search Bermuda Bay on the map
See it this week
Want to walk through this home this week?
Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.
Call (904) 709-7917 Text Krista
Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.
About this home
Bermuda Bay
Priced Below Appraised Value!! Situated in the gated community of Bermuda Bay, this stunning condo backs directly to the Guana Preserve, giving you protected woodland views. Wake up to birdsong, sip coffee on your private porch, then walk or bike the A1A sidewalk about a half mile to Mickler's Landing for a sunrise swim. This spacious three bedroom home lives easy, with concrete block construction, a brand new concrete tile roof, and a low maintenance lifestyle since the HOA handles the grounds and exterior. Inside you will find an open, split bedroom layout with a spacious screened in patio. Zoned for highly rated Ponte Vedra schools and minutes from Fresh Market, TPC Sawgrass, and the shops and dining along A1A. This is coastal living without the crowds. This short sale is subject to lender approval. Come see why Bermuda Bay residents rarely want to leave.
Next steps in Bermuda Bay
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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
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: Concrete — year not disclosed (home built 1998)
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: ~1,793 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 homeAs of July 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.
Sun & Light
East-facing backyard — the morning-light lot
The listing reports the home facing west, which puts the backyard on the east side. Today at this address: sunrise 7:27 AM, sunset 6:55 PM.
- The rear takes the sunrise and the gentle morning sun, then goes shaded through the afternoon — the classic comfortable-summer-evening lanai in Florida.
- A pool back here warms with the morning and sits in shade by late afternoon: cooler water than a west lot, and evening swims without the glare.
- The front of the home carries the hot western afternoon instead of your living space.
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
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $415,000 | $331,331 | — |
| 2024 | $460,000 | $460,000 | — |
| 2023 | $508,600 | $307,083 | — |
| 2022 | $400,000 | $288,627 | — |
| 2021 | $332,000 | $267,468 | — |
| 2020 | $317,000 | $257,870 | — |
2025 property taxes (current owner): $4,958/yr
Estimated taxes if purchased at asking price: ~$7,600/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 (2025), NEFMLS.
History
Price & status history
- Sep 17, 2026Price change$475,000−$5,000
- Dec 15, 2025Listed$480,000
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 $321/sq ft; this home is listed at $274/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 100 Bermuda Bay Circle 105, Ponte Vedra Beach, FL 32082Listed by THE AGENCY AT PONTE VEDRA | Jul 2026 | $515,000 | $271 | 3/2 | 1,903 | 37 | 0 |
| 200 Bermuda Bay Circle 202, Ponte Vedra Beach, FL 32082Listed by DAVIDSON REALTY, INC. | Jun 2026 | $505,000 | $259 | 3/2 | 1,947 | 117 | 0 |
| 10025 Sawgrass Drive E, Ponte Vedra Beach, FL 32082Listed by PONTE VEDRA CLUB REALTY, INC. | Jun 2026 | $530,000 | $372 | 2/2 | 1,424 | 17 | 1.4 |
| 504 Tournament Road, Ponte Vedra Beach, FL 32082Listed by KELLER WILLIAMS JACKSONVILLE | May 2026 | $330,000 | $251 | 2/2 | 1,316 | 16 | 1.6 |
| 132 Willow Pond Lane, Ponte Vedra Beach, FL 32082Listed by KEARNEY REAL ESTATE SERVICES, | Aug 2026 | $605,000 | $321 | 3/2.5 | 1,886 | 24 | 1.7 |
| 9777 Sawgrass Drive E, Ponte Vedra Beach, FL 32082Listed by WATSON REALTY CORP | Jul 2026 | $590,000 | $414 | 2/2 | 1,424 | 19 | 1.7 |
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
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST
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 Bermuda Bay
Bermuda Bay is a neighborhood in Ponte Vedra Beach Condos, FL (St. Johns County), ZIP 32082.
View all Bermuda Bay homes for sale →Keep looking
Similar homes in Ponte Vedra Beach
Explore the area
More in Bermuda Bay
Bermuda Bay guides & reports
Your Local Realtor
Krista Fracke
Broker Associate
Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.
Text Krista about this home20+ 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.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines