This home is in Grand Cay Villas, Ponte Vedra Beach.

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Active

Active·72 days on market·Grand Cay Villas

130 Veracruz Drive 731

Ponte Vedra Beach, FL 32082

$214,990$236/sqftEst. $1,144/moMLS# 2143639

Beds

Baths

912

Sq Ft

1996

Built

—

Garage

Pool

About this home

Grand Cay Villas

Fully upgraded 1BR + den (non-conforming bedroom) condo in the gated Grand Cay community of Ponte Vedra Beach! This light-filled unit features vaulted ceilings, Brand New LVP flooring, cozy fireplace, and a screened balcony accessible from the living room with peaceful treed views. The renovated kitchen boasts new cabinetry, granite countertops, breakfast bar, and undermount Kohler sink, plus a full suite of Whirlpool appliances. Updated lighting throughout. Flexible den perfect for guests or office. Enjoy resort-style amenities including pool, spa, fitness center, clubhouse, BBQ/picnic areas, playground, and car wash. Walk to TPC Sawgrass and just minutes to beaches, dining, and shopping. Perfect primary, second home, or investment--coastal living at its best!

Cost to own

Mortgage calculator

Home Price

$214,990

Down Payment: 20%

$42,998

Interest Rate: 6.55%

Loan Term

Monthly Payment

$1,093

Principal & Interest: $1,093

Est. Taxes & Insurance: $273

Estimated Total Monthly

$1,366

*Estimates based on 30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, 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$1,144

Property taxesest. at asking price, St. Johns County$286

HOAbilled monthly$528

Estimated total, before insurance$1,958/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: $223,500 in November 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$197,000	$146,278	—
2024	$197,000	$147,000	—
2023	$195,300	$145,300	—
2022	$178,000	$143,336	—
2021	$133,500	$130,305	—
2020	$130,000	$118,459	—

2025 property taxes (current owner): $2,132/yr

Estimated taxes if purchased at asking price: ~$3,400/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 (shaded) — moderate flood risk (0.2% annual chance)

Flood insurance is optional but often inexpensive here — worth pricing.

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: material not specified — year not disclosed (home built 1996)

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: ~1,805 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