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This home is in Ponte Vedra Beach.

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Active

Active·45 days on market

695 A1A N 54

Ponte Vedra Beach, FL 32082

$190,000$151/sqftEst. $978/moMLS# 2153424

Beds

Baths

1,260

Sq Ft

1974

Built

—

Garage

Pool

About this home

Ponte Vedra Beach

Live the Ponte Vedra Beach lifestyle in this turnkey 2BR/2BA condo with every major update already done. Upgraded kitchen features granite countertops and a full stainless steel appliance package. Tile throughout the main level, luxury vinyl plank upstairs no carpet anywhere. HVAC 2022. Water heater 2024. Private storage shed out back (rare). The HOA covers your building's master insurance policy, pool, tennis courts, basketball court, playground, professional landscaping, pest/termite treatment, and exterior maintenance managed by FirstService Residential. Your only insurance need is an interior HO-6 policy which is significantly reduced cost. East of A1A, short bike ride to the beach, wooded backdrop for privacy. Primary residence, beach retreat, or investment this one is ready now!

Cost to own

Mortgage calculator

Home Price

$190,000

Down Payment: 20%

$38,000

Interest Rate: 6.67%

Loan Term

Monthly Payment

$978

Principal & Interest: $978

Property taxes (est.): $253

Insurance (est.): $127

Estimated Total Monthly

$1,357

*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$978

Property taxesest. at asking price, St. Johns County$253

HOAbilled monthly$612

Estimated total, before insurance$1,842/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,653/yr · $221/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	$197,000	$197,000	—
2024	$213,900	$213,900	—
2023	$213,900	$210,100	—
2022	$191,000	$191,000	—
2021	$136,500	$117,310	—
2020	$119,000	$106,645	—

2025 property taxes (current owner): $2,653/yr

Estimated taxes if purchased at asking price: ~$3,000/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: material not specified — year not disclosed (home built 1974)

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

Sewer · JEA Multi Family - Water/Sewer

County records show this parcel on central sewer served by JEA Multi Family - Water/Sewer — no septic system to inspect or maintain.

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

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