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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 Sawgrass, Ponte Vedra Beach — a Ponte Vedra Beach golf community home.

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Sold

Sold·Closed Apr 3, 2026·114 days on market·Recent sales in Sawgrass·Sawgrass

40 Little Bay Harbor Drive

Ponte Vedra Beach, FL 32082

$849,000sold priceListed at $849,000 · 100% of asking$420/sqftMLS# 2121902
3
Beds
3
Baths
2,020
Sq Ft
1985
Built
2
Garage
No
Pool

19 more homes for sale in Sawgrass →Search Sawgrass on the map

HOA $1310/moWaterfrontCondominium2 stories

About this home

Sawgrass

Located east of A1A in the gated Sawgrass Country Club, this updated 3-bedroom, 3-bath condo offers rare water-to-golf views and exceptional flexibility for full-time, seasonal, or investment ownership. The light-filled, open floor plan features two bedrooms and two baths on the main level, with a private primary suite upstairs—ideal for hosting or multigenerational use. Wood floors highlight the living areas, with LVP in guest bedrooms and plush carpet in the primary. The kitchen is updated with wood cabinetry, stone counters, and stainless appliances, opening to a dining area accented by a custom built-in bar with wine storage, wet sink, and beverage cooler. Tall ceilings, built-ins, and a stone-accented fireplace create a refined yet relaxed coastal feel. Sliding doors lead to a deck and a spacious screened lanai designed for outdoor living and dining. A large two-car garage includes dedicated golf-cart space and power. Upstairs, the primary suite offers a cedar walk-in closet and

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.32% · 30yr$4,666
Property taxesest. at asking price, St. Johns County$1,130
HOAbilled quarterly$1,310
Estimated total, before insurance$7,105/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,606/yr · $301/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).

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 1985)

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

Solar potential: ~1,710 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, league fields and grocery store from this home's location.

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. 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

2025 property taxes (current owner): $3,606/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.

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 $413/sq ft; this home is listed at $420/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
10025 Sawgrass Drive E, Ponte Vedra Beach, FL 32082Listed by PONTE VEDRA CLUB REALTY, INC.Jun 2026$530,000$3722/21,424170.6
132 Willow Pond Lane, Ponte Vedra Beach, FL 32082Listed by KEARNEY REAL ESTATE SERVICES,Aug 2026$605,000$3213/2.51,886240.7
119 Willow Pond Lane, Ponte Vedra Beach, FL 32082Listed by PONTE VEDRA CLUB REALTY, INC.Sep 2026$828,750$4013/32,066200.8
128 Willow Pond Lane, Ponte Vedra Beach, FL 32082Listed by PONTE VEDRA CLUB REALTY, INC.May 2026$775,000$4373/2.51,77280.8
9835 Sawgrass Drive E, Ponte Vedra Beach, FL 32082Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTYMar 2026$588,000$4132/21,42400.8
9777 Sawgrass Drive E, Ponte Vedra Beach, FL 32082Listed by WATSON REALTY CORPJul 2026$590,000$4142/21,424190.9

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$849,000
Price / Sq Ft$420
Bedrooms3
Bathrooms3.00
Full Baths3
Square Footage2,020
Year Built1985
TypeResidential
Sub-TypeCondominium
StyleContemporary
Property ConditionUpdated/Remodeled
StatusClosed
# of Garages2
Has PoolNo
Is WaterfrontYes
Gated CommunityYes

School Information

ConfirmAssignments come from listing agents and zones change; confirm the address with the school district.

Community Information

Address40 Little Bay Harbor Drive, Ponte Vedra Beach, FL 32082
Area261-Ponte Vedra Bch-S Of Corona-E Of A1E/Lake Pv
SubdivisionSawgrass Country Club
CityPonte Vedra Beach
CountySt. Johns
StateFL
Zip Code32082
Parcel Number0662090400
ZoningCondominium

Amenities

AmenitiesPool, Beach Access, Gated, Maintenance Grounds, Maintenance Structure, Playground
Community FeaturesGated
UtilitiesCable Available, Cable Connected, Electricity Connected, Sewer Connected, Water Connected
Water SourcePublic
ParkingAdditional Parking, Detached, Garage, Garage Door Opener, Shared Driveway
ViewGolf Course, Water
Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Built-in Features, Ceiling Fan(s), Entrance Foyer, Open Floorplan, Pantry, Primary Bathroom -Tub with Separate Shower, Vaulted Ceiling(s), Walk-In Closet(s), Wet Bar
AppliancesDishwasher, Disposal, Dryer, Electric Cooktop, Electric Oven, Electric Range, Electric Water Heater, Microwave, Refrigerator, Washer
HeatingCentral, Electric, Heat Pump
CoolingCentral Air, Electric
FlooringCarpet, Tile, Wood
FireplaceYes
# of Fireplaces1
Fireplace FeaturesWood Burning
# of Stories2
LevelsTwo
LaundryIn Unit, Lower Level
SecurityGated with Guard, Security Gate

Exterior

Exterior FeaturesBalcony
Lot DescriptionCul-De-Sac
Patio / PorchDeck, Porch, Rear Porch, Screened
RoofShingle
ConstructionComposition Siding, Frame, Wood Siding
Road SurfaceAsphalt
Road FrontageCity Street

Additional Information

Date ListedDecember 17, 2025
Days on Market114
HOA Fees$3,930 / Quarterly
HOA FrequencyQuarterly
HOA NameFor Condo: May Mgt
HOA Fee IncludesInsurance, Maintenance Grounds, Maintenance Structure, Pest Control
Tax Amount$3,606.42
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: COMPASS FLORIDA LLC

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 Sawgrass

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

View all Sawgrass homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Apr 3, 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