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 Sawgrass, Ponte Vedra Beach — an oceanfront condo in Ponte Vedra Beach.

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Active

Active·122 days on market·Sawgrass

610 Summer Place

Ponte Vedra Beach, FL 32082

$795,000$903/sqftEst. $4,087/moMLS# 2142458

Beds

Baths

880

Sq Ft

1983

Built

—

Garage

Pool

About this home

Sawgrass

Experience coastal living at 610 Summer Place in Ponte Vedra Beach. This fully furnished ground floor one bedroom one bathroom condo offers stunning, unobstructed Atlantic Ocean views from the kitchen, living room and covered patio. Perfect as a full-time residence, beach retreat or income producing property with no minimum rental terms. The kitchen features granite countertops, stainless steel appliances and abundant storage. Enjoy private beach access with a convenient walkover, a gated entrance with manned security and close proximity to the Sawgrass Beach Club. Recent upgrades include HVAC 2020, water heater 2023, Pella windows and sliding doors 2023 and new roof 2025. Do not miss this rare oceanfront opportunity in one of Ponte Vedra Beach's most desirable communities. Ideal for buyers seeking oceanfront living, short term rental potential and a move in ready condo on Florida's coast.

Cost to own

Mortgage calculator

Home Price

$795,000

Down Payment: 20%

$159,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$4,087

Principal & Interest: $4,087

Property taxes (est.): $1,058

Insurance (est.): $530

Estimated Total Monthly

$5,675

*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$4,087

Property taxesest. at asking price, St. Johns County$1,058

HOAbilled quarterly$510

Estimated total, before insurance$5,655/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$8,765/yr · $730/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	$660,000	$642,740	—
2024	$660,000	$584,309	—
2023	$692,850	$531,190	—
2022	$482,900	$482,900	—
2021	$443,000	$443,000	—
2020	$443,000	$443,000	—

2025 property taxes (current owner): $8,765/yr

Estimated taxes if purchased at asking price: ~$12,700/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 VE — coastal high-hazard area

Flood insurance is required by lenders, at coastal (wave-action) rates.

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 — 2025 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

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: ~1,790 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 14, 2026Active$795,000
Jul 19, 2026Active Under Contract$795,000
Apr 29, 2026Listed$795,000

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

Features

Price$795,000

Price / Sq Ft$903

Bedrooms1

Bathrooms1.00

Full Baths1

Square Footage880

Year Built1983

TypeResidential

Sub-TypeCondominium

StyleTraditional

StatusActive

Has PoolNo

Is WaterfrontYes

Gated CommunityYes

Direction FacesEast

Community Information

Address610 Summer Place, Ponte Vedra Beach, FL 32082

Area261-Ponte Vedra Bch-S Of Corona-E Of A1E/Lake Pv

SubdivisionSawgrass

CityPonte Vedra Beach

CountySt. Johns

StateFL

Zip Code32082

Parcel Number0663020610

Amenities

AmenitiesBeach Access, Gated, Security

UtilitiesCable Connected, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingParking Lot

ViewBeach, Ocean, Water

Waterfront TypeOcean Front

Interior

Interior FeaturesBreakfast Bar, Built-in Features, Ceiling Fan(s), Eat-in Kitchen, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Primary Downstairs

AppliancesDishwasher, Disposal, Dryer, Electric Cooktop, Electric Oven, Electric Water Heater, Microwave, Refrigerator, Washer/Dryer Stacked

HeatingCentral, Electric

CoolingCentral Air, Electric

FlooringVinyl

# of Stories1

LevelsOne

LaundryIn Unit

SecurityGated with Guard, Security Gate