This home is in Bermuda Bay, Ponte Vedra Beach — a gated community home in Ponte Vedra Beach.
Sold·Closed Jul 10, 2026·37 days on market·Recent sales in Bermuda Bay·Bermuda Bay
100 Bermuda Bay Circle 105
Ponte Vedra Beach, FL 32082
2 more homes for sale in Bermuda Bay →Search Bermuda Bay on the map
About this home
Bermuda Bay
Pristine and totally renovated - you won't find this level of quality at this price point in Ponte Vedra Beach. From cabinetry, flooring and backsplash to lighting and plumbing fixtures - over $60K in upgrades in the past 60 days. Located in a gated, concrete block community of 24 units, each with an oversized 2 car garage and framed by nature preserve. The southern exposure enclosed sun room offers impact windows with motorized shades delivering both energy efficiency and storm protection. The HVAC system has been enhanced with a HALO air purification and zero emission system. The freshly painted garage has a new garage door opener, keypad and overhead storage. Move in ready, this stunning space is minutes to the beach, restaurants and shopping. Come enjoy the Ponte Vedra Beach lifestyle.
Next steps in Bermuda Bay
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).
Mortgage calculator — adjust rate & down payment
Cost to own
Mortgage calculator
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 A
Zone A evacuates first in a storm — typically coastal and surge-prone areas.
Roof: material not specified — year not disclosed (home built 1998)
Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.
Solar potential: ~1,787 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.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $403,000 | $390,915 | — |
| 2024 | $446,000 | $355,377 | — |
| 2023 | $483,510 | $323,070 | — |
| 2022 | $377,000 | $293,700 | — |
| 2021 | $267,000 | $267,000 | — |
| 2020 | $255,000 | $205,000 | — |
2025 property taxes (current owner): $5,675/yr
Estimated taxes if purchased at asking price: ~$8,200/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.
History
Price & status history
- Jul 11, 2026Closed$535,000
- May 14, 2026Listed$535,000
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Closed sales
What sold nearby
Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $397/sq ft; this home is listed at $281/sq ft.
| Address | Closed | Price | $/sq ft | Bd/Ba | Sq ft | DOM | Miles |
|---|---|---|---|---|---|---|---|
| 200 Bermuda Bay Circle 202, Ponte Vedra Beach, FL 32082Listed by DAVIDSON REALTY, INC. | Jun 2026 | $505,000 | $259 | 3/2 | 1,947 | 117 | 0.1 |
| 10025 Sawgrass Drive E, Ponte Vedra Beach, FL 32082Listed by PONTE VEDRA CLUB REALTY, INC. | Jun 2026 | $530,000 | $372 | 2/2 | 1,424 | 17 | 1.4 |
| 132 Willow Pond Lane, Ponte Vedra Beach, FL 32082Listed by KEARNEY REAL ESTATE SERVICES, | Aug 2026 | $605,000 | $321 | 3/2.5 | 1,886 | 24 | 1.7 |
| 9777 Sawgrass Drive E, Ponte Vedra Beach, FL 32082Listed by WATSON REALTY CORP | Jul 2026 | $590,000 | $414 | 2/2 | 1,424 | 19 | 1.7 |
| 119 Willow Pond Lane, Ponte Vedra Beach, FL 32082Listed by PONTE VEDRA CLUB REALTY, INC. | Sep 2026 | $828,750 | $401 | 3/3 | 2,066 | 20 | 1.8 |
| 507 Quail Pointe Lane, Ponte Vedra Beach, FL 32082Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY | Jul 2026 | $640,000 | $397 | 2/2 | 1,614 | 1 | 1.8 |
Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: THE AGENCY AT PONTE VEDRA
Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.
The neighborhood
About Bermuda Bay
Bermuda Bay is a neighborhood in Ponte Vedra Beach Condos, FL (St. Johns County), ZIP 32082.
View all Bermuda Bay homes for sale →Keep looking
More homes in Bermuda Bay
For Sale300 Bermuda Bay Circle 308Ponte Vedra Beach, FL 32082
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For RentLease
100 Bermuda Bay Circle 104Ponte Vedra Beach, FL 32082
3 bd · 2 ba · 1,731 sq ft
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Your Local Realtor
Krista Fracke
Broker Associate
This home sold on Jul 10, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.
Text Krista about this saleHomes for sale nearby →20+ 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