This home is in Grand Cay Villas, Ponte Vedra Beach.

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Active

Active·132 days on market·Grand Cay Villas

150 Veracruz Drive 525

Ponte Vedra Beach, FL 32082

$199,999$255/sqftEst. $1,064/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: 6.55%

Loan Term

Monthly Payment

$1,017

Principal & Interest: $1,017

Est. Taxes & Insurance: $254

Estimated Total Monthly

$1,271

*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$1,064

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

HOAbilled monthly$453

Estimated total, before insurance$1,784/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

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

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