This home is in Bermuda Bay, Ponte Vedra Beach.
Active·213 days on market·Bermuda Bay
300 Bermuda Bay Circle 308
Ponte Vedra Beach, FL 32082
About this home
Bermuda Bay
Priced Below Appraised Value!! Second story condo in the gated Bermuda Bay community, offering a bright and airy layout with vaulted ceilings and luxury vinyl flooring throughout. This end unit lives comfortably with kitchen-to-living design and a spacious screened patio overlooking a quiet preserve, ideal for enjoying the coastal breeze. The primary suite features two walk-in closets, double vanities, and private patio access, while two additional bedrooms on the opposite side of condo provide flexible space for everyday living. A private 2-car garage adds convenience. Walk to Micklers beach, or The PV Concert Hall. Just a short drive to amazing restaurants and shopping. Short sale - subject to lender approval.
Cost to own
Mortgage calculator
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, 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 | $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: ~$7,700/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 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 homeInformational 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
Price & status history
- Dec 15, 2025Listed$480,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
School Information
Community Information
Amenities
Interior
Exterior
Additional Information
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 →Listing Courtesy of: CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COAST
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
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Your Local Expert
Krista Fracke
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Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines