Work directly with Krista on any home here · Broker Associate · 20+ years · 500+ closings · Christie's International Real Estate First Coast

This home is in Grand Cay Villas, Ponte Vedra Beach — a gated community home in Ponte Vedra Beach.

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Active

Active·42 days on market·Grand Cay Villas

170 Veracruz Drive 334

Ponte Vedra Beach, FL 32082

$198,000$214/sqftEst. $1,018/moMLS# 2130789

Beds

Baths

924

Sq Ft

1996

Built

—

Garage

Pool

About this home

Grand Cay Villas

Welcome to effortless coastal living in the heart of Ponte Vedra Beach. This beautifully refreshed 1 bed/1 bath + flex room residence is perched on the third floor, offering privacy, tranquility, and soaring ceilings in the living room that create an airy, open feel rarely found in this price point. Sunlight pours through expansive windows, framing a peaceful canopy of mature trees, a serene, almost tree-house-like setting you'll enjoy every day. The condo updates include brand-new carpet throughout, fresh interior paint and new windows in the flex room, making it completely move-in ready. The versatile flex room is ideal for a home office, reading retreat, fitness space, or guest area, perfect for today's flexible lifestyle. Located inside a gated community just steps from TPC Sawgrass and only an 8-minute ride to the beach, you'll enjoy both convenience and exclusivity. Whether you're looking for a full-time residence, vacation escape, or investment opportunity

Cost to own

Mortgage calculator

Home Price

$198,000

Down Payment: 20%

$39,600

Interest Rate: 6.66%

Loan Term

Monthly Payment

$1,018

Principal & Interest: $1,018

Property taxes (est.): $264

Insurance (est.): $132

Estimated Total Monthly

$1,413

*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$1,018

Property taxesest. at asking price, St. Johns County$263

HOAbilled monthly$571

Estimated total, before insurance$1,852/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.

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$203,000	$0	—
2024	$219,000	$0	—
2023	$195,300	$0	—
2022	$178,000	$35,327	—
2021	$130,000	$32,842	—
2020	$130,000	$31,698	—

Estimated taxes if purchased at asking price: ~$3,200/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 AE — high-risk flood zone (Special Flood Hazard Area)

Lenders require flood insurance for financed purchases here.

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: Shingle — year not disclosed (home built 1996)

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: ~1,784 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