This home is in Fairfield, Ponte Vedra Beach — a gated community home in Ponte Vedra Beach.
Active·120 days on market·Fairfield
104 Bay Hill Court
Ponte Vedra Beach, FL 32082
About this home
Fairfield
Explore this single-family home located on a cul-de-sac lot with water views in the gated community of Fairfield in Ponte Vedra Beach, FL. The home features luxury vinyl plank flooring, a spacious kitchen with stainless steel appliances and a breakfast nook, a separate dining area, and an open living room with a fireplace that leads to a rear enclosed Florida room with heating and cooling. The primary suite includes a walk-in closet and an en-suite bathroom with dual sinks, a garden tub, and a separate walk-in shower. Additional features include an interior laundry area, a two-car garage, a rear paver patio, and a front paver driveway. The property is located within a short distance of Mickler's Landing, which provides public beach access.
Cost to own
Mortgage calculator
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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 | $538,631 | $503,154 | — |
| 2024 | $511,001 | $457,413 | — |
| 2023 | $486,304 | $415,830 | — |
| 2022 | $455,847 | $378,027 | ▼ $20,540 |
| 2021 | $343,661 | $343,661 | — |
| 2020 | $349,661 | $349,661 | ▼ $12,472 |
2025 property taxes (current owner): $7,333/yr
Estimated taxes if purchased at asking price: ~$10,100/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 1989)
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: ~1,682 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 homeAs 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 18, 2026Price change$629,900−$20,000
- Jul 29, 2026Price change$649,900−$19,100
- Jul 7, 2026Price change$669,000−$10,000
- Apr 30, 2026Listed$679,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
The neighborhood
About Fairfield
Fairfield is a neighborhood in Ponte Vedra Beach, FL (St. Johns County), ZIP 32082.
View all Fairfield homes for sale →Listing Courtesy of: CORE REALTY, LLC
Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).
Keep looking
More homes in Fairfield
Active$639,000MLS# 2148689Est. $3,401/mo829 Tournament Road, Ponte Vedra Beach, FL 320823 Beds2 Baths1,790 sqftIncredible value in Fairfield! Enjoy lakefront views from this well-maintained 3 bedroom, 2.5 bath home in the…
ResidentialBERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY
Active$640,000MLS# 2143115Est. $3,406/mo838 Tournament Road, Ponte Vedra Beach, FL 320823 Beds2 Baths1,508 sqftNEW ROOF WILL BE INSTALLED PRIOR TO CLOSING (GAF Timberline HDZ 50 year Roof). This light-filled beautifully updated…
ResidentialPONTE VEDRA COASTAL REALTY, INC.
Active$750,000MLS# 2140682Est. $3,992/mo107 Island Drive, Ponte Vedra Beach, FL 320823 Beds2 Baths1,682 sqftBright and beautifully updated Fairfield home with serene water views and a low-maintenance lifestyle. The primary…
ResidentialKELLER WILLIAMS REALTY ATLANTIC PARTNERS
Active Under Contract$899,000MLS# 2146325Est. $4,785/mo113 Osprey Ridge Way, Ponte Vedra Beach, FL 320824 Beds2 Baths2,079 sqftWelcome to 113 Osprey Ridge Way in the sought-after Fairfield community of Ponte Vedra Beach. Nestled on a private lot…
ResidentialUNITED REAL ESTATE GALLERY
Keep looking
Similar homes in Ponte Vedra Beach
Explore the area
More in Fairfield
Fairfield guides & reports
Your Local Realtor
Krista Fracke
Broker Associate
Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.
Text Krista about this home20+ years · 500+ closings · NE Florida
Curious what nearby homes sold for?
MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.
Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines