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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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Sold

Sold·Closed Jul 9, 2026·7 days on market·Recent sales in Ocean Grove Condos·Ocean Grove Condos

27 Arbor Club Drive 103

Ponte Vedra Beach, FL 32082

$230,000sold priceListed at $230,000 · 100% of asking$206/sqftMLS# 2148800
2
Beds
2
Baths
1,116
Sq Ft
1992
Built
—
Garage
No
Pool

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

FEMA Zone XHOA $526/moWaterfrontCondominium1 story

About this home

Ocean Grove Condos

The one you've been waiting for! This immaculate ground floor 2-bedroom, 2-bathroom condominium is ideally located in the heart of Ponte Vedra Beach. Offering exceptional convenience to shopping, dining, golf courses, A rated schools, and private beach access. With stunning water views and a picturesque fountain, this beautifully maintained residence provides a serene setting to enjoy coastal living at its finest. Thoughtfully updated throughout, the home features 42-inch cabinetry, granite countertops, tile backsplash, wood-look tile flooring, upgraded lighting/ceiling fans, and 2-inch faux wood blinds. Both bathrooms have been tastefully renovated with new vanities, mirrors, lighting, fixtures & showers with tile surrounds. Freshly painted and truly move-in ready! This exceptional home combines comfort, style, and an unbeatable location.

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$1,274
Property taxesest. at asking price, St. Johns County$306
HOAbilled monthly$526
Estimated total, before insurance$2,106/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

$230,000
$46,000
Loan Term
Monthly Payment
$1,274
Principal & Interest: $1,274
Property taxes (est.): $306
Insurance (est.): $153
Estimated Total Monthly
$1,733
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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: ~1,776 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.

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: ~$3,700/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 12, 2026Closed$230,000
  • Jun 4, 2026Listed$230,000

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 $211/sq ft; this home is listed at $206/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
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
101 Thousand Oaks Drive F-3, Ponte Vedra Beach, FL 32082Listed by BENCHMARK HOMES REALTY, INC.Apr 2025$250,000$2302/1.51,088180.1

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$230,000
Price / Sq Ft$206
Bedrooms2
Bathrooms2.00
Full Baths2
Square Footage1,116
Year Built1992
TypeResidential
Sub-TypeCondominium
Property ConditionUpdated/Remodeled
StatusClosed
Has PoolNo
Is WaterfrontYes
Gated CommunityYes

Community Information

Address27 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 Number0615132703

Amenities

AmenitiesPool, Barbecue, Beach Access, Clubhouse, Dog Park, Fitness Center, Gated, Spa/Hot Tub, Tennis Court(s)
Community FeaturesGated
UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected
Water SourcePublic
ParkingUnassigned
ViewPond
Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Entrance Foyer, Pantry, Primary Bathroom - Tub with Shower, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Dryer, Electric Oven, Electric Range, Electric Water Heater, Microwave, Refrigerator, Washer
HeatingCentral
CoolingCentral Air
FlooringTile
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, In Unit

Exterior

Road SurfaceAsphalt

Additional Information

Date ListedJune 4, 2026
Days on Market7
HOA Fees$526 / Monthly
HOA FrequencyMonthly
HOA NameSteller Properties
HOA Fee IncludesWater
Tax Amount$2,922.17
Tax Year2025
Listing TermsCash, Conventional
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

This home sold on Jul 9, 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.

Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

Northeast Florida living

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