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·177 days on market·Grand Cay Villas

150 Veracruz Drive 525

Ponte Vedra Beach, FL 32082

$199,999$255/sqftEst. $1,028/moMLS# 2133636

Beds

Baths

785

Sq Ft

1996

Built

—

Garage

Pool

About this home

Grand Cay Villas

Motivated seller! Enjoy the best of Ponte Vedra Beach living in this beautifully updated one-bedroom, one-bath condo in the gated community of Grand Cay Villas. Move-in ready with new flooring, new kitchen cabinets, a new washer, and granite countertops, this home offers comfort and convenience in an unbeatable location. The condo is within eyesight of TPC Sawgrass, making it the perfect spot to enjoy the excitement of The Players Championship. Community amenities include a resort-style pool, fitness center, clubhouse, car wash area, and gated entry. Just an 8-minute drive to the beach, a 5-minute walk to Fresh Market, and close to shopping and dining. Enjoy scenic walking and biking paths surrounding Grand Cay. Perfect as a primary residence, vacation home, or investment opportunity.

Cost to own

Mortgage calculator

Home Price

$199,999

Down Payment: 20%

$40,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$1,028

Principal & Interest: $1,028

Property taxes (est.): $266

Insurance (est.): $133

Estimated Total Monthly

$1,428

*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$1,028

Property taxesest. at asking price, St. Johns County$266

HOAbilled monthly$453

Estimated total, before insurance$1,747/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,010/yr · $168/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

Last sold: $205,000 in February 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$188,000	$137,278	—
2024	$190,650	$140,650	—
2023	$190,650	$140,650	—
2022	$131,000	$128,841	—
2021	$121,500	$117,128	—
2020	$120,000	$106,480	—

2025 property taxes (current owner): $2,010/yr

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 X (shaded) — moderate flood risk (0.2% annual chance)

Flood insurance is optional but often inexpensive here — worth pricing.

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: material not specified — 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: ~1,764 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