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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in Ocean Grove Condos, Ponte Vedra Beach — a waterfront home in Ponte Vedra Beach.

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Active·136 days on market·Ocean Grove Condos

29 Arbor Club Drive 103

Ponte Vedra Beach, FL 32082

$219,999$197/sqftEst. $1,219/moMLS# 2148716
↓ $9,001 below original list
2
Beds
2
Baths
1,116
Sq Ft
1992
Built
—
Garage
No
Pool

8 more homes for sale in Ocean Grove Condos →Search Ocean Grove Condos on the map

FEMA Zone XHOA $526/moWaterfrontCondominium1 story

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About this home

Ocean Grove Condos

Step into this recently renovated condo and you've found your new beach home. This two bedroom two bath has been completely freshened up with new paint and flooring. Just steps to the Clubhouse, fitness center , and pool and only a short bike ride to the beach. Come see what the Ponte Vedra lifestyle is all about.

Next steps in Ocean Grove Condos

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Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$1,219
Property taxesest. at asking price, St. Johns County$293
HOAbilled monthly$526
Estimated total, before insurance$2,037/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,922/yr · $244/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$219,999
$44,000
Loan Term
Monthly Payment
$1,219
Principal & Interest: $1,219
Property taxes (est.): $293
Insurance (est.): $147
Estimated Total Monthly
$1,658
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-15, 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.

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: material not specified — year not disclosed (home built 1992)

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

Sewer & public water · St Johns County Utilities

County records show this parcel on central sewer served by St Johns County Utilities — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,701 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.

Around this address

Nearby, from public data

The closest public beach, park, water access, league fields and grocery store from this home's location.

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.

Cost to own

Taxes & assessment

YearMarket valueTaxable valueChange
2025$224,000$210,830—
2024$242,000$191,664—
2023$255,750$174,240—
2022$193,000$158,400—
2021$144,000$144,000—
2020$136,500$136,500—

2025 property taxes (current owner): $2,922/yr

Estimated taxes if purchased at asking price: ~$3,500/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

  • Sep 21, 2026Price change$219,999−$4,901
  • Jul 24, 2026Price change$224,900−$4,100
  • Jun 4, 2026Listed$229,000

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 $206/sq ft; this home is listed at $197/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
27 Arbor Club Drive 106, Ponte Vedra Beach, FL 32082Listed by CHRISTIE'S INTERNATIONAL REAL ESTATE FIRST COASTAug 2026$240,000$2152/21,11670
27 Arbor Club Drive 103, Ponte Vedra Beach, FL 32082Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERSJul 2026$230,000$2062/21,11670
7 Arbor Club Drive 211, Ponte Vedra Beach, FL 32082Listed by PONTE VEDRA COASTAL REALTY, INC.Jul 2026$235,000$2112/21,116920.1
100 Fairway Park Boulevard 2102, Ponte Vedra Beach, FL 32082Listed by FLORIDA HOMES REALTY & MTG LLCJul 2026$185,000$1682/21,100130.1
100 Fairway Park Boulevard 306, Ponte Vedra Beach, FL 32082Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERSJun 2026$210,000$2032/21,0322910.1
19 Arbor Club Drive 318, Ponte Vedra Beach, FL 32082Listed by MCWRIGHT PROPERTY MANAGEMENTMay 2026$199,000$1862/21,07080.1

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

Price$219,999
Price / Sq Ft$197
Bedrooms2
Bathrooms2.00
Full Baths2
Square Footage1,116
Year Built1992
TypeResidential
Sub-TypeCondominium
StyleOther
Property ConditionUpdated/Remodeled
StatusActive
Has PoolNo
Is WaterfrontYes
Direction FacesEast

School Information

Zone sourceSt. Johns County School District attendance zones, current school year. Zones change; confirm with the district before you rely on one.
Reported byThe listing agent, in the MLS. Where it differs from the zone, the zone wins.

Community Information

Address29 Arbor Club Drive 103, Ponte Vedra Beach, FL 32082
Area262-Ponte Vedra Beach-W Of A1A-S Of Solana Rd
SubdivisionOcean Grove Of Ponte Vedra Condo
CityPonte Vedra Beach
CountySt. Johns
StateFL
Zip Code32082
Parcel Number0615132903

Amenities

AmenitiesPool, Clubhouse, Fitness Center, Tennis Court(s)
UtilitiesElectricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingAdditional Parking
ViewWater
Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Primary Bathroom - Tub with Shower
AppliancesDishwasher, Disposal, Electric Cooktop, Electric Oven, Electric Water Heater, Microwave, Refrigerator
HeatingCentral
CoolingCentral Air
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup

Exterior

Patio / PorchCovered, Screened

Additional Information

Date ListedJune 4, 2026
Days on Market134
HOA Fees$526 / Monthly
HOA FrequencyMonthly
Tax Amount$2,922.17
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: KELLER WILLIAMS REALTY ATLANTIC PARTNERS

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 Ocean Grove Condos

Ocean Grove Condos is a neighborhood in Ponte Vedra Beach Condos, FL (St. Johns County), ZIP 32082.

View all Ocean Grove Condos homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.

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20+ years · 500+ closings · NE Florida

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Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

Northeast Florida living

Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines

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