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This home is in Ocean Grande, Ponte Vedra Beach — a home near St. Augustine High School.

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Active

Active·53 days on market·Ocean Grande

215 S Ocean Grande Drive 103

Ponte Vedra Beach, FL 32082

$574,900Est. $2,959/moMLS# 2152276

Beds

Baths

Sq Ft

2002

Built

Garage

Pool

About this home

Ocean Grande

Beautifully positioned first-floor residence offering spectacular sunset views from the screened and enclosed patio. This 3-bedroom, 3-bath condominium combines comfort, convenience, and coastal living with direct patio door access to the community green space -- perfect for pets and outdoor enjoyment. Ideally located close to the tennis center and nearby visitor parking for added convenience. The oversized garage provides valuable extra storage space, a rare and welcome feature. Competitively priced and includes transferrable S. Ponte Vedra Ocean Club membership for the ultimate resort-style lifestyle. HOA fees include gas service for the cooktop, outdoor grill, and fireplace, internet, cable, landscaping, trash collection, pest control, exterior maintenance & building insurance. Monthly dues for the SPVO Club vary. Ocean Grande offers exceptional amenities.

Cost to own

Mortgage calculator

Home Price

$574,900

Down Payment: 20%

$114,980

Interest Rate: 6.67%

Loan Term

Monthly Payment

$2,959

Principal & Interest: $2,959

Property taxes (est.): $765

Insurance (est.): $383

Estimated Total Monthly

$4,107

*30-year loan at 6.67% APR (avg 30-yr rate 2026-08-13, 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 · 6.67% · 30yr$2,959

Property taxesest. at asking price, St. Johns County$765

HOAbilled monthly$933

Estimated total, before insurance$4,657/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,718/yr · $393/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	$545,000	$336,932	—
2024	$619,000	$326,729	—
2023	$594,270	$315,756	—
2022	$435,000	$305,103	—
2021	$373,000	$294,760	—
2020	$340,000	$290,000	—

2025 property taxes (current owner): $4,718/yr

Estimated taxes if purchased at asking price: ~$9,200/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 A

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

Roof: Tile — year not disclosed (home built 2002)

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

Solar potential: ~1,811 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 25, 2026Listed$574,900

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

Features

Price$574,900

Bedrooms3

Bathrooms3.00

Full Baths3

Year Built2002

TypeResidential

Sub-TypeCondominium

StyleTraditional

StatusActive

# of Garages1

Has PoolNo

Is WaterfrontNo

Gated CommunityYes

School Information

ElementaryKetterlinus

MiddleSebastian

HighSt. Augustine

Community Information

Address215 S Ocean Grande Drive 103, Ponte Vedra Beach, FL 32082

Area264-South Ponte Vedra Beach

SubdivisionOcean Grande

CityPonte Vedra Beach

CountySt. Johns

StateFL

Zip Code32082

Parcel Number1422290313

ZoningCondominium

Amenities

AmenitiesBeach Access, Clubhouse, Elevator(s), Fitness Center, Gated, Maintenance Grounds, Management - Full Time, Management - Off Site, Pickleball, Tennis Court(s)

UtilitiesCable Connected, Electricity Connected, Natural Gas Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Garage Door Opener