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

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Active

Active·117 days on market·Grand Cay Villas

130 Veracruz Drive 731

Ponte Vedra Beach, FL 32082

$214,990$236/sqftEst. $1,105/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: 6.66%

Loan Term

Monthly Payment

$1,105

Principal & Interest: $1,105

Property taxes (est.): $286

Insurance (est.): $143

Estimated Total Monthly

$1,535

*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$1,105

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

HOAbilled monthly$528

Estimated total, before insurance$1,919/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,132/yr · $178/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

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

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