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

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Active

Active·89 days on market·Ocean Grove Condos

29 Arbor Club Drive 103

Ponte Vedra Beach, FL 32082

$224,900$202/sqftEst. $1,156/moMLS# 2148716

Beds

Baths

1,116

Sq Ft

1992

Built

—

Garage

Pool

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. Open House Sunday from 11-3. Stop by for your chance to register to win a FREE iPad.

Cost to own

Mortgage calculator

Home Price

$224,900

Down Payment: 20%

$44,980

Interest Rate: 6.66%

Loan Term

Monthly Payment

$1,156

Principal & Interest: $1,156

Property taxes (est.): $299

Insurance (est.): $150

Estimated Total Monthly

$1,605

*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$1,156

Property taxesest. at asking price, St. Johns County$299

HOAbilled monthly$526

Estimated total, before insurance$1,981/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).

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
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: ~$3,600/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: 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.

History