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 Summer House, Ponte Vedra Beach — a home near Ponte Vedra High School.

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Active

Active·45 days on market·Summer House

799 Sandpiper Lane

Ponte Vedra Beach, FL 32082

$319,000$287/sqftEst. $1,626/moMLS# 2151360

Beds

Baths

1,113

Sq Ft

2005

Built

—

Garage

Pool

About this home

Summer House

Live the Ponte Vedra Beach lifestyle in this END UNIT, one story villa style condominium in Summer House. Prime east of A1A, location this two bedroom, two bath lives like a patio style home with no one above or below you. Step inside the gate to a courtyard that creates a private and peaceful feel. The open kitchen has a tray ceiling, decorative light fixture, wood cabinetry, and stainless-steel appliances. This area flows nicely to the sunny dining area overlooking the outdoors and living room with fireplace with tile surround and wood mantle. This space leads to a screened-in lanai and storage closet overlooking greenspace in the backyard. A hallway leads to a closet with washer and dryer and two bedrooms with LVP flooring. The primary suite has its own full bath with shower and walk-in closet. The second bedroom has a spacious walk-in closet. Enjoy resort style amenities including clubhouse with game room, theater, pool, fitness and tennis court.

Cost to own

Mortgage calculator

Home Price

$319,000

Down Payment: 20%

$63,800

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,626

Principal & Interest: $1,626

Property taxes (est.): $425

Insurance (est.): $213

Estimated Total Monthly

$2,264

*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$1,626

Property taxesest. at asking price, St. Johns County$424

HOAbilled monthly$591

Estimated total, before insurance$2,642/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	$226,000	$226,000	—
2024	$280,000	$256,883	—
2023	$301,320	$233,530	—
2022	$245,000	$212,300	—
2021	$193,000	$193,000	—
2020	$181,500	$181,500	—

Estimated taxes if purchased at asking price: ~$5,100/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 A

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

Roof: Shingle — year not disclosed (home built 2005)

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

Sewer · JEA_Premises point dataset CCB_DESCR like sewer

County records show this parcel on central sewer served by JEA_Premises point dataset CCB_DESCR like sewer — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,586 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