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 Ocean Grande, Ponte Vedra Beach — a gated community home in Ponte Vedra Beach.

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Active Under Contract

Active Under Contract·98 days on market·Ocean Grande

435 Ocean Grande Drive 306

Ponte Vedra Beach, FL 32082

$875,000$391/sqftEst. $4,498/moMLS# 2146865

Beds

Baths

2,239

Sq Ft

2006

Built

Garage

Pool

About this home

Ocean Grande

Rare Opportunity! Prime location for carefree Florida lifestyle. Penthouse end unit with elevator and spectacular views. Expansive Intra-coastal sunset panorama that changes colors all day and all year long becomes part of your everyday living. Ocean peeks from two bedrooms too! Complete recent updates: LVP flooring , quartz counter tops, custom cabinets including a wet bar, stainless appliances, convection microwave and wall ovens, kitchen hood. Expanded center island with refrigerator. Fire sprinklers, water softener, electric controlled storm shades on the balcony, hurricane windows. Each of the 3 bathrooms have different bathing configurations. A one car garage and a storage room are included. In gated community with tennis and pickleball courts, club room. Sellers are including the membership transfer fee to the South Ponte Vedra Ocean Club which is across the street. It features beach access, pools, dining, bar, gym and more! Previous buyer's house to sell contingency expired.

Cost to own

Mortgage calculator

Home Price

$875,000

Down Payment: 20%

$175,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$4,498

Principal & Interest: $4,498

Property taxes (est.): $1,164

Insurance (est.): $583

Estimated Total Monthly

$6,246

*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$4,498

Property taxesest. at asking price, St. Johns County$1,164

HOAbilled monthly$1,026

Estimated total, before insurance$6,689/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$8,848/yr · $737/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	$693,000	$642,278	—
2024	$737,000	$613,458	—
2023	$690,525	$557,689	—
2022	$530,200	$506,990	—
2021	$460,900	$460,900	—
2020	$460,900	$460,900	—

2025 property taxes (current owner): $8,848/yr

Estimated taxes if purchased at asking price: ~$14,000/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 A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: Tile — year not disclosed (home built 2006)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Solar potential: ~1,825 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

Aug 1, 2026Active Under Contract$875,000
Jul 29, 2026Active$875,000
May 23, 2026Listed$875,000

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

Features

Price$875,000

Price / Sq Ft$391

Bedrooms3

Bathrooms3.00

Full Baths3

Square Footage2,239

Year Built2006

TypeResidential

Sub-TypeCondominium

Property ConditionUpdated/Remodeled

StatusActive Under Contract

# of Garages1

Has PoolNo

Is WaterfrontNo

Gated CommunityYes

School Information

ElementaryKetterlinus

MiddleSebastian

HighSt. Augustine

Community Information

Address435 Ocean Grande Drive 306, Ponte Vedra Beach, FL 32082

Area264-South Ponte Vedra Beach

SubdivisionOcean Grande

CityPonte Vedra Beach

CountySt. Johns

StateFL

Zip Code32082

Parcel Number1422291336

Amenities

AmenitiesClubhouse, Elevator(s), Gated, Maintenance Grounds, Maintenance Structure, Management - Off Site, Pickleball, Tennis Court(s)

UtilitiesCable Connected, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Garage Door Opener, Guest

ViewIntracoastal, Ocean, River, Water

Interior

Interior FeaturesBreakfast Bar, Breakfast Nook, Ceiling Fan(s), Entrance Foyer, His and Hers Closets, Kitchen Island, Open Floorplan, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s), Wet Bar

AppliancesConvection Oven, Dishwasher, Disposal, Dryer, Electric Cooktop, Electric Oven, Electric Water Heater, Microwave, Refrigerator, Washer, Water Softener Owned, Wine Cooler

HeatingCentral, Electric, Heat Pump

CoolingCentral Air, Electric

FireplaceYes

# of Fireplaces1

Fireplace FeaturesElectric

# of Stories1

LevelsOne

LaundryIn Unit

SecuritySecurity Gate, Smoke Detector(s)