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·50 days on market·Ocean Grove Condos

21 Arbor Club Drive 319

Ponte Vedra Beach, FL 32082

$265,000$248/sqftEst. $1,351/moMLS# 2149965

Beds

Baths

1,070

Sq Ft

1992

Built

Garage

Pool

About this home

Ocean Grove Condos

Private beach access, resort-style amenities, and a top-floor retreat you'll love coming home to. Imagine starting your mornings with a short stroll to the beach through the community's private resident-only beach access gate, coffee in hand and the sound of the ocean just minutes away. That's everyday life here. This bright and airy 2-bedroom top-floor condo offers the perfect blend of comfort, convenience, and coastal living. Natural light fills the open living spaces, creating a warm and welcoming atmosphere from the moment you walk through the door. The screened balcony becomes an extension of your living space, ideal for enjoying ocean breezes, reading a book, or relaxing after a day at the beach. One of the most sought-after features is the included garage with exclusive-use rights that transfer with the condo, providing valuable storage and protected parking rarely found in beach-area condominium communities.

Cost to own

Mortgage calculator

Home Price

$265,000

Down Payment: 20%

$53,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,351

Principal & Interest: $1,351

Property taxes (est.): $353

Insurance (est.): $177

Estimated Total Monthly

$1,880

*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$1,351

Property taxesest. at asking price, St. Johns County$353

HOAbilled monthly$503

Estimated total, before insurance$2,207/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,787/yr · $232/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	$215,000	$199,850	—
2024	$220,000	$181,682	—
2023	$255,750	$165,165	—
2022	$179,000	$150,150	—
2021	$136,500	$136,500	—
2020	$136,500	$136,500	—

2025 property taxes (current owner): $2,787/yr

Estimated taxes if purchased at asking price: ~$4,200/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 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: ~1,704 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

Jun 11, 2026Listed$265,000

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

Features

Price$265,000

Price / Sq Ft$248

Bedrooms2

Bathrooms2.00

Full Baths2

Square Footage1,070

Year Built1992

TypeResidential

Sub-TypeCondominium

StatusActive

# of Garages1

Has PoolNo

Is WaterfrontYes

Gated CommunityYes

School Information

ElementaryPonte Vedra Rawlings

MiddleAlice B. Landrum

HighAllen D. Nease

Community Information

Address21 Arbor Club Drive 319, 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 Number0615132119

ZoningCondominium

Amenities

AmenitiesPool, Other, Beach Access, Clubhouse, Dog Park, Fitness Center, Gated, Jogging Path, Maintenance Grounds, Management- On Site, Pickleball, Security, Spa/Hot Tub, Tennis Court(s), Trash, Water

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingDetached, Garage, Gated, Guest, Off Street, Parking Lot

ViewPond

Waterfront TypePond

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Open Floorplan, Pantry, Primary Bathroom - Tub with Shower, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Electric Range, Microwave, Refrigerator

HeatingCentral

CoolingCentral Air

FlooringCarpet, Tile

FireplaceYes

# of Fireplaces1

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, In Unit, Washer Hookup

SecuritySecurity Gate