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This home is in Bermuda Court, Ponte Vedra Beach — a home near Ponte Vedra High School.

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Active

Active·45 days on market·Bermuda Court

112 Bermuda Court

Ponte Vedra Beach, FL 32082

$479,900$411/sqftEst. $2,447/moMLS# 2151358

Beds

Baths

1,169

Sq Ft

1979

Built

—

Garage

Pool

About this home

Bermuda Court

Located in the heart of Sawgrass Players Club, just steps from The Yards tennis, golf and pickleball as well as the Sawgrass community park and Argyle restaurant, you will find this turnkey ready 2 bedroom 2 bath patio home. Perfect for a full or part time residence or a short term vacation rental. The private lot looks out onto the water from a spacious backyard. Enjoy all the amenities Sawgrass has to offer including: the community pool, walking trails, playground, ball fields, neighborhood events, clubs & more, Zoned for Ponte Vedra schools and just a short drive to JTB. Don't miss your opportunity to make this home yours.

Cost to own

Mortgage calculator

Home Price

$479,900

Down Payment: 20%

$95,980

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,447

Principal & Interest: $2,447

Property taxes (est.): $639

Insurance (est.): $320

Estimated Total Monthly

$3,405

*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$2,447

Property taxesest. at asking price, St. Johns County$639

HOAbilled semi-annually$204

Estimated total, before insurance$3,289/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,836/yr · $403/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

Last sold: $430,000 in March 2022(county public record, not MLS data)

Year	Market value	Taxable value	Change
2025	$372,997	$322,275	—
2024	$356,950	$356,950	—
2023	$355,133	$355,133	—
2022	$320,076	$239,782	—
2021	$217,984	$217,984	—
2020	$220,008	$146,528	—

2025 property taxes (current owner): $4,836/yr

Estimated taxes if purchased at asking price: ~$7,700/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.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Zone AE — high-risk flood zone (Special Flood Hazard Area)

Lenders require flood insurance for financed purchases here.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Hurricane evacuation zone A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: material not specified — year not disclosed (home built 1979)

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

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: ~1,552 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