This home is in Solano Cay, Ponte Vedra Beach.

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Active

Active·208 days on market·Solano Cay

203 Solano Cay Circle

Ponte Vedra Beach, FL 32082

$425,000$395/sqftEst. $2,262/moMLS# 2122260

Beds

Baths

1,076

Sq Ft

1992

Built

Garage

Pool

About this home

Solano Cay

Lovely, updated 2-bedroom, 2-bath home in Solano Cay at Ponte Vedra Beach with fresh landscaping and great curb appeal. The bright, spacious interior features new paint, vaulted ceilings, crown molding, skylights, ceiling fans, and easy-maintenance LVP flooring throughout the main living areas. The open kitchen is updated with quartz countertops, a breakfast bar, stainless steel appliances, ample prep space, and a cozy eat-in area. A wood-burning fireplace adds warmth and charm. The primary suite offers an extra-large walk-in closet, while both bathrooms have been tastefully updated. Enjoy outdoor living on the screened lanai overlooking a private, fenced backyard. Additional features include a sprinkler system and a one-car garage. Community amenities include a pool. Prime Ponte Vedra Beach location-short drive to the beach, shopping, golf, and more.

Cost to own

Mortgage calculator

Home Price

$425,000

Down Payment: 20%

$85,000

Interest Rate: 6.55%

Loan Term

Monthly Payment

$2,160

Principal & Interest: $2,160

Est. Taxes & Insurance: $540

Estimated Total Monthly

$2,700

*Estimates based on 30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, 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$2,262

Property taxesest. at asking price, St. Johns County$566

HOAbilled annually$72

Estimated total, before insurance$2,899/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	$332,172	$332,172	—
2024	$332,266	$332,266	—
2023	$325,172	$146,108	—
2022	$311,842	$140,396	—
2021	$222,611	$134,850	—
2020	$223,186	$132,298	—

2025 property taxes (current owner): $4,808/yr

Estimated taxes if purchased at asking price: ~$6,800/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 B

Zone B evacuates after zone A in an approaching storm.

Roof: Shingle — year not disclosed (home built 1992)

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: ~1,638 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

Price & status history

Jul 9, 2026Price change$425,000−$14,900
Dec 20, 2025Listed$439,900

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$425,000

Price / Sq Ft$395

Bedrooms2

Bathrooms2.00

Full Baths2

Square Footage1,076

Acres0.08 acres

Year Built1992

TypeResidential

Sub-TypeSingle Family Residence

StyleCottage

StatusActive

# of Garages1

Has PoolNo

Is WaterfrontNo

Direction FacesWest

School Information

ElementaryPonte Vedra Rawlings

MiddleAlice B. Landrum

HighPonte Vedra

Community Information

Address203 Solano Cay Circle, Ponte Vedra Beach, FL 32082

Area252-Ponte Vedra Beach-W Of A1A-N Of Solana Rd

SubdivisionSolano Cay

CityPonte Vedra Beach

CountySt. Johns

StateFL

Zip Code32082

Lot Size3,484.8 sq ft

Parcel Number0525410510

Amenities

AmenitiesPark

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

ViewTrees/Woods

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Open Floorplan, Primary Downstairs, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Electric Range, Electric Water Heater, Refrigerator

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringVinyl

FireplaceYes

Fireplace FeaturesWood Burning

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, Washer Hookup

SecuritySmoke Detector(s)

Exterior

Lot DescriptionFew Trees, Sprinklers In Front, Sprinklers In Rear

Patio / PorchCovered, Screened

FencingFenced, Back Yard, Vinyl, Wood

RoofShingle

ConstructionConcrete, Fiber Cement

Road SurfacePaved

Road FrontageCounty Road

Additional Information

Date ListedDecember 20, 2025

Days on Market201

HOA Fees$860 / Annually

HOA FrequencyAnnually

HOA Fee IncludesOther

Tax Amount$4,808

Tax Year2025

Listing TermsCash, Conventional, VA Loan

55+ CommunityNo

New ConstructionNo

The neighborhood

About Solano Cay

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

View all Solano Cay homes for sale →

Listing Courtesy of: MARK SPAIN REAL ESTATE

Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).

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Krista Fracke

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