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 Cranes Lake, Ponte Vedra Beach — a home near Ponte Vedra High School.

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Active

Active·45 days on market·Cranes Lake

155 Cranes Lake Drive

Ponte Vedra Beach, FL 32082

$285,000$254/sqftEst. $1,453/moMLS# 2150819

Beds

Baths

1,123

Sq Ft

1983

Built

—

Garage

Pool

About this home

Cranes Lake

Tucked away in the back of the desirable Cranes Lake community, this 2-bedroom, 2.5-bath condo offers a peaceful setting and backyard views. Inside, you'll find white shaker cabinets, brand-new carpeting, and a well-maintained feel throughout. The open living area features a fireplace and opens to a two-story screened patio, providing additional outdoor living space. Upstairs are two spacious bedrooms, each with a private ensuite bath, while the half bath downstairs adds convenience for guests. The primary suite features a private balcony, an updated tiled shower, a wall of closets, and a deep walk-in closet for plenty of storage. Major updates include the roof (2020), A/C (2023), and hot water heater (2024). Conveniently located near shopping, dining, beaches, Sawgrass Village, Mayo Clinic, and easy access to JTB. Cranes Lake amenities include a community pool, tennis, and clubhouse.

Cost to own

Mortgage calculator

Home Price

$285,000

Down Payment: 20%

$57,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,453

Principal & Interest: $1,453

Property taxes (est.): $379

Insurance (est.): $190

Estimated Total Monthly

$2,022

*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$1,453

Property taxesest. at asking price, St. Johns County$379

HOAbilled monthly$475

Estimated total, before insurance$2,307/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.

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$256,000	$0	—
2024	$295,000	$0	—
2023	$283,650	$0	—
2022	$200,000	$0	—
2021	$148,000	$93,000	—
2020	$148,000	$93,220	—

Estimated taxes if purchased at asking price: ~$4,600/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 — 2020 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

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: ~1,650 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