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 gated community home in Ponte Vedra Beach.

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Active

Active·57 days on market·Fairfield

829 Tournament Road

Ponte Vedra Beach, FL 32082

$639,000$357/sqftEst. $3,258/moMLS# 2148689

Beds

Baths

1,790

Sq Ft

1991

Built

Garage

Pool

About this home

Fairfield

Incredible value in Fairfield! Enjoy lakefront views from this well-maintained 3 bedroom, 2.5 bath home in the desirable Fairfield community of Ponte Vedra Beach! Tucked away on a quiet cul-de-sac, this light-filled home features soaring ceilings, an electric fireplace, fresh interior and exterior paint, and an inviting feel throughout. Designed for comfortable everyday living, the home offers a dedicated office/den, first-floor primary suite, kitchen with breakfast nook, and a screened lanai overlooking the lake. Two additional upstairs bedrooms share a Jack-and-Jill bathroom. Recent updates include new carpet, updated lighting, A/C (2024), and hot water heater (2026). Fairfield residents enjoy a 24-hour manned guard gate, pools and hot tub, tennis and pickleball courts, basketball court, playgrounds, exercise room, clubhouse, walking paths, and RV/boat parking. Lawn maintenance is included in the HOA. Conveniently located near the beach, shopping, golf and dining!

Cost to own

Mortgage calculator

Home Price

$639,000

Down Payment: 20%

$127,800

Interest Rate: 6.58%

Loan Term

Monthly Payment

$3,258

Principal & Interest: $3,258

Property taxes (est.): $850

Insurance (est.): $426

Estimated Total Monthly

$4,534

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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 · 6.58% · 30yr$3,258

Property taxesest. at asking price, St. Johns County$850

HOAbilled quarterly$182

Estimated total, before insurance$4,290/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$6,771/yr · $564/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	$494,987	$463,115	—
2024	$463,539	$421,014	—
2023	$450,302	$382,740	—
2022	$400,058	$347,945	—
2021	$316,314	$316,314	—
2020	$303,366	$300,476	—

2025 property taxes (current owner): $6,771/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 1991)

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: ~1,755 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 31, 2026Price change$639,000−$30,000
Jun 4, 2026Listed$669,000

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

Features

Price$639,000

Price / Sq Ft$357

Bedrooms3

Bathrooms2.50

Full Baths2

Half Baths1

Square Footage1,790

Acres0.11 acres

Year Built1991

TypeResidential

Sub-TypeSingle Family Residence

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontYes

Gated CommunityYes

School Information

ElementaryPonte Vedra Rawlings

MiddleAlice B. Landrum

HighPonte Vedra

Community Information

Address829 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 Size4,791.6 sq ft

Parcel Number0662072150

Amenities

AmenitiesPool, Basketball Court, Clubhouse, Fitness Center, Gated, Maintenance Grounds, Pickleball, Playground, RV/Boat Storage, Security, Spa/Hot Tub, Tennis Court(s)

UtilitiesElectricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage

Waterfront TypePond