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 Fairfield, Ponte Vedra Beach — a home near Ponte Vedra High School.

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Active

Active·27 days on market·Fairfield

838 Tournament Road

Ponte Vedra Beach, FL 32082

$640,000$424/sqftEst. $3,290/moMLS# 2143115

Beds

Baths

1,508

Sq Ft

1993

Built

Garage

Pool

About this home

Fairfield

NEW ROOF WILL BE INSTALLED PRIOR TO CLOSING (GAF Timberline HDZ 50 year Roof). This light-filled beautifully updated single story home in desirable gated Fairfield offers 3 bedrooms and 2 baths and is just moments from the beach, golf, restaurants & more. Spacious living areas, and an updated kitchen with abundant cabinetry flows seamlessly to private outdoor living. An extended covered patio overlooks picturesque lake views perfect for morning coffee or evening gatherings,. With its low-maintenance footprint, move-in ready condition, and exceptional value, this home presents a compelling opportunity for buyers seeking an entry into Ponte Vedra Beach living.

Cost to own

Mortgage calculator

Home Price

$640,000

Down Payment: 20%

$128,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$3,290

Principal & Interest: $3,290

Property taxes (est.): $852

Insurance (est.): $427

Estimated Total Monthly

$4,568

*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$3,290

Property taxesest. at asking price, St. Johns County$852

HOAbilled quarterly$289

Estimated total, before insurance$4,431/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,217/yr · $351/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	$500,766	$276,343	—
2024	$469,432	$267,847	—
2023	$460,236	$258,589	—
2022	$409,256	$237,546	—
2021	$322,067	$229,171	—
2020	$308,728	$225,317	—

2025 property taxes (current owner): $4,217/yr

Estimated taxes if purchased at asking price: ~$10,200/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 — 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 1993)

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: ~1,695 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

Jul 30, 2026Price change$640,000−$19,000
May 1, 2026Listed$659,000

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

Features

Price$640,000

Price / Sq Ft$424

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,508

Total Structure Area2,333 sq ft

Acres0.15 acres

Year Built1993

TypeResidential

Sub-TypeSingle Family Residence

StyleCottage, Traditional

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontNo

Gated CommunityYes

School Information

ElementaryPonte Vedra Rawlings

MiddleAlice B. Landrum

HighPonte Vedra

Community Information

Address838 Tournament Road, 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 Size6,534 sq ft

Lot Dimensions26.8 x 129.64 x 76.67 x 129.12

Parcel Number0662072230

ZoningResidential

Amenities

AmenitiesPool, Clubhouse, Fitness Center, Maintenance Grounds, Management - Full Time, Playground, RV/Boat Storage, Security, Tennis Court(s)

UtilitiesCable Available, Electricity Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

ViewLake, Protected Preserve

Interior

Interior FeaturesBreakfast Nook, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Kitchen Island, Open Floorplan, Primary Bathroom - Shower No Tub, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Microwave, Refrigerator

HeatingCentral, Electric, Heat Pump

CoolingCentral Air, Electric

FireplaceYes

# of Fireplaces1

Fireplace FeaturesWood Burning

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, In Unit, Washer Hookup

Security24 Hour Security, Gated with Guard, Security Gate