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 Riverwood, Ponte Vedra — a gated community home in St. Johns County.

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Active Under Contract

Active Under Contract·52 days on market·Riverwood

86 Fawn Gully Lane

Ponte Vedra, FL 32081

$400,000$215/sqftEst. $2,056/moMLS# 2139997

Beds

Baths

1,857

Sq Ft

2010

Built

Garage

Pool

About this home

Riverwood

Are you looking for a home that has the Wow Factor? This is it. The soaring vaulted ceilings & open floor plan provide a spacious, open living feel that continues out through the retractable sliders to the huge, screened patio with fabulous views of green spaces and the lake. The renovation is spectacular. The large, gorgeous kitchen features premium cabinets, white quartz countertops, exciting backsplash tile, stainless appliances, under cabinet lighting and more. The bathrooms are elegantly modern, done with quality finishes. Three bedrooms provide options for an office, media room or space for plenty of guests. There are premium plantation shutters throughout, including large panels on the triple sliding doors. Enter directly into the home from your private, attached garage. The building features concrete block construction, barrel tile roofs and classic architecture that makes these Carriage Home condominiums unique. The bond portion of the CDD has been paid off, saving

Cost to own

Mortgage calculator

Home Price

$400,000

Down Payment: 20%

$80,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$2,056

Principal & Interest: $2,056

Property taxes (est.): $532

Insurance (est.): $267

Estimated Total Monthly

$2,855

*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$2,056

Property taxesest. at asking price, St. Johns County$532

HOAbilled monthly$476

Estimated total, before insurance$3,065/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$5,277/yr · $440/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	$367,000	$367,000	—
2024	$367,000	$317,000	—
2023	$357,010	$307,010	—
2022	$280,000	$280,000	—
2021	$270,000	$169,024	—
2020	$216,000	$166,000	—

2025 property taxes (current owner): $5,277/yr

Estimated taxes if purchased at asking price: ~$6,400/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 D

Zone D evacuates after zones A, B, C in an approaching storm.

Roof: Concrete, Tile — year not disclosed (home built 2010)

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

Sewer · JEA · Public water · JEA_Premises point dataset with CCB_DESC like Water

County records show this parcel on central sewer served by JEA — no septic system to inspect or maintain.

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

Solar potential: ~1,789 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

Price & status history

Aug 30, 2026Active Under Contract$400,000
Jul 10, 2026Price change$400,000−$15,000
Jul 7, 2026Withdrawn$415,000
Apr 14, 2026Listed$415,000

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

Features

Price$400,000

Price / Sq Ft$215

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,857

Year Built2010

TypeResidential

Sub-TypeCondominium

StyleSpanish

Property ConditionUpdated/Remodeled

StatusActive Under Contract

# of Garages1

Has PoolNo

Is WaterfrontNo

Gated CommunityYes

55+ CommunityYes

Community Information

Address86 Fawn Gully Lane, Ponte Vedra, FL 32081

Area272-Nocatee South

SubdivisionDel Webb Ponte Vedra

CityPonte Vedra

CountySt. Johns

StateFL

Zip Code32081

Parcel Number0702440304

ZoningResidential

Amenities

AmenitiesPool, Barbecue, Clubhouse, Fitness Center, Gated, Jogging Path, Pickleball, Sauna, Shuffleboard Court, Spa/Hot Tub, Tennis Court(s)

UtilitiesCable Available, Electricity Connected, Natural Gas Not Available, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

ViewPond, Water

Interior

Interior FeaturesCeiling Fan(s), Kitchen Island, Open Floorplan, Primary Bathroom - Shower No Tub, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Disposal, Electric Cooktop, Electric Oven, Electric Water Heater, Microwave, Refrigerator, Trash Compactor, Water Softener Owned

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringCarpet, Tile

# of Stories1

LevelsOne

LaundryIn Unit

Security24 Hour Security, Fire Alarm, Gated with Guard, Security Gate

Spa FeaturesCommunity