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This home is in Ponte Vedra Beach.

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Active

Active·28 days on market

695 A1A 38

Ponte Vedra Beach, FL 32082

$310,000$172/sqftEst. $1,594/moMLS# 2127891

Beds

Baths

1,800

Sq Ft

1974

Built

—

Garage

Pool

About this home

Ponte Vedra Beach

PREFERRED LENDER IS OFFERING A DRAMATIC RATE REDUCTION ON THIS PROPERTY!** Searching for the perfect, fully furnished PVB condo? Look no further! This thoughtfully remodeled space maximizes every inch, featuring wood-look tile, quartz kitchen counters, antique-style cabinetry, subway-tile backsplash, and upgraded lighting and fans. An enclosed, climate-controlled sunroom adds extra living space (not listed in SJCPA). The reconfigured downstairs includes a full bath and an office/non-conforming bedroom. Recent updates include a new roof, water heater, 2018 AC, newer windows, blinds, washer/dryer, and carpet upstairs. The spacious primary suite has an ensuite bath and balcony, plus two additional updated bedrooms. ALL FURNITURE & APPLIANCES INCLUDED!

Cost to own

Mortgage calculator

Home Price

$310,000

Down Payment: 20%

$62,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$1,594

Principal & Interest: $1,594

Property taxes (est.): $413

Insurance (est.): $207

Estimated Total Monthly

$2,213

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, Freddie Mac PMMS via FRED). Taxes use the county effective rate; insurance is a rough estimate — Florida premiums swing with roof age and flood zone (see the Reality Check). Actual costs 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 · 6.66% · 30yr$1,594

Property taxesest. at asking price, St. Johns County$413

HOAbilled monthly$715

Estimated total, before insurance$2,721/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$3,502/yr · $292/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).

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$260,000	$260,000	—
2024	$279,000	$279,000	—
2023	$290,170	$290,170	—
2022	$270,000	$270,000	—
2021	$208,500	$208,500	—
2020	$190,000	$190,000	—

2025 property taxes (current owner): $3,502/yr

Estimated taxes if purchased at asking price: ~$5,000/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 B

Zone B evacuates after zone A in an approaching storm.

Roof: material not specified — year not disclosed (home built 1974)

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

Sewer · JEA Multi Family - Water/Sewer

County records show this parcel on central sewer served by JEA Multi Family - Water/Sewer — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,754 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

As 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.

History