This home is in Fairfield, Ponte Vedra Beach.

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Active

Active·69 days on market·Fairfield

107 Island Drive

Ponte Vedra Beach, FL 32082

$750,000$446/sqftEst. $3,992/moMLS# 2140682

Beds

Baths

1,682

Sq Ft

1986

Built

Garage

Pool

About this home

Fairfield

Bright and beautifully updated Fairfield home with serene water views and a low-maintenance lifestyle. The primary suite is conveniently located on the main level, with two additional bedrooms upstairs. You'll love the light-filled two-story living room and charming sun porch. Features include thoughtful renovations, a two-car garage, and HOA-covered yard maintenance, common areas, and garbage pickup. Fabulous community amenities, including a clubhouse with a fitness room, family and adult pools, jacuzzi, sauna, tennis, pickleball, and basketball courts, RV/boat parking, playgrounds, and beautifully maintained green spaces throughout the community.

Cost to own

Mortgage calculator

Home Price

$750,000

Down Payment: 20%

$150,000

Interest Rate: 6.49%

Loan Term

Monthly Payment

$3,788

Principal & Interest: $3,788

Est. Taxes & Insurance: $947

Estimated Total Monthly

$4,736

*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, 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$3,992

Property taxesest. at asking price, St. Johns County$998

HOAbilled quarterly$190

Estimated total, before insurance$5,180/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: $670,000 in April 2023(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$607,605	$551,353	—
2024	$501,230	$501,230	—
2023	$453,732	$453,732	—
2022	$443,184	$319,979	—
2021	$290,890	$290,890	—
2020	$293,401	$293,401	—

2025 property taxes (current owner): $8,113/yr

Estimated taxes if purchased at asking price: ~$12,000/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: Shingle — year not disclosed (home built 1986)

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: ~1,660 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

Price & status history

Jul 14, 2026Price change$750,000−$10,000
May 6, 2026Listed$760,000

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

Features

Price$750,000

Price / Sq Ft$446

Bedrooms3

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage1,682

Acres0.13 acres

Year Built1986

TypeResidential

Sub-TypeSingle Family Residence

StyleCottage

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontYes

Gated CommunityYes

Direction FacesWest

School Information

ElementaryPonte Vedra Rawlings

MiddleAlice B. Landrum

HighPonte Vedra

Community Information

Address107 Island Drive, Ponte Vedra Beach, FL 32082

Area263-Ponte Vedra Beach-W Of A1A-S Of CR-210

SubdivisionFairfield

CityPonte Vedra Beach

CountySt. Johns

StateFL

Zip Code32082

Lot Size5,662.8 sq ft

Parcel Number0662110040

ZoningResidential

Amenities

AmenitiesPool, Basketball Court, Fitness Center, Maintenance Grounds, Pickleball, Playground, Tennis Court(s)

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached

ViewPond

Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Built-in Features, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, His and Hers Closets, Primary Bathroom - Shower No Tub, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Range, Electric Water Heater, Microwave, Refrigerator, Washer, Water Softener Owned

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringVinyl

# of Stories2

LevelsTwo

LaundryElectric Dryer Hookup, In Garage, Washer Hookup

SecurityGated with Guard, Security Gate