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Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in Summer House, Ponte Vedra Beach — a waterfront home in Ponte Vedra Beach.

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Sold

Sold·Closed Sep 28, 2026·69 days on market·Recent sales in Summer House·Summer House

871 Coral Reef Way Way

Ponte Vedra Beach, FL 32082

$180,000sold priceListed at $195,000 · 92.3% of asking$245/sqftMLS# 2153561
1
Beds
1
Baths
734
Sq Ft
1985
Built
—
Garage
No
Pool

12 more homes for sale in Summer House →Search Summer House on the map

FEMA Zone XHOA $401/moWaterfrontCondominium1 story

About this home

Summer House

Summer House beauty in the heart of Ponte Vedra Beach! This one Bedroom/ one Bath 2nd Floor unit is very open and Bright. New Luxury Vinyl flooring in main living areas. New Appliances In kitchen. Gorgeous water views from the patio. Walk or Bike to Beach Access. Newer Washer/Dryer, HVAC & Light Fixtures. Investment Property or 2nd home.

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 7.4% · 30yr$997
Property taxesest. at asking price, St. Johns County$240
HOAbilled monthly$401
Estimated total, before insurance$1,637/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.
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$180,000
$36,000
Loan Term
Monthly Payment
$997
Principal & Interest: $997
Property taxes (est.): $240
Insurance (est.): $120
Estimated Total Monthly
$1,357
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-08, 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.

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: Shingle — year not disclosed (home built 1985)

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

Sewer · JEA Club House - Water/Sewer · Public water · JEA_Premises point dataset with CCB_DESC like Water

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

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

Solar potential: ~1,757 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.

Cost to own

Taxes & assessment

YearMarket valueTaxable valueChange
2025$197,500$181,246—
2024$237,000$164,769—
2023$199,020$149,790—
2022$144,500$136,173—
2021$125,000$123,794—
2020$119,500$112,540—

Estimated taxes if purchased at asking price: ~$2,900/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.

History

Price & status history

  • Sep 29, 2026Closed$195,000
  • Sep 8, 2026Pending$195,000
  • Jul 27, 2026Price change$195,000−$10,000
  • Jul 2, 2026Listed$205,000

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

Closed sales

What sold nearby

Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $292/sq ft; this home is listed at $266/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
7 Arbor Club Drive 102, Ponte Vedra Beach, FL 32082Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINEAug 2026$216,000$2861/175550.2
100 Fairway Park Boulevard 806, Ponte Vedra Beach, FL 32082Listed by PONTE VEDRA CLUB REALTY, INC.Aug 2026$159,500$2921/154630.2
100 Fairway Park Boulevard 604, Ponte Vedra Beach, FL 32082Listed by UNITED REAL ESTATE GALLERYAug 2026$120,000$1901/1633140.3
100 Fairway Park Boulevard 1507, Ponte Vedra Beach, FL 32082Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERSJun 2026$159,900$2931/1546120.3
100 Fairway Park Boulevard 1207, Ponte Vedra Beach, FL 32082Listed by PONTE VEDRA & COMPANY REAL ESTATE LLCJun 2026$157,000$2881/1546720.3
15 Ponte Vedra Colony Circle, Ponte Vedra Beach, FL 32082Listed by ERA ONETEAM REALTYJun 2026$280,000$2952/29503530.4

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

Features

Price$195,000
Price / Sq Ft$266
Bedrooms1
Bathrooms1.00
Full Baths1
Square Footage734
Year Built1985
TypeResidential
Sub-TypeCondominium
StatusClosed
Has PoolNo
Is WaterfrontYes

Community Information

Address871 Coral Reef Way Way, Ponte Vedra Beach, FL 32082
Area261-Ponte Vedra Bch-S Of Corona-E Of A1E/Lake Pv
SubdivisionSummer House
CityPonte Vedra Beach
CountySt. Johns
StateFL
Zip Code32082
Parcel Number0615000871

Amenities

AmenitiesPool, Barbecue, Fitness Center, Management - Off Site
UtilitiesCable Available
Water SourcePublic
ParkingUnassigned
ViewWater
Waterfront TypeLagoon

Interior

Interior FeaturesCeiling Fan(s)
AppliancesDishwasher, Disposal, Dryer, Electric Cooktop, Electric Oven, Electric Water Heater, Freezer, Ice Maker, Microwave, Refrigerator, Washer
HeatingCentral, Electric
CoolingCentral Air, Electric
FlooringCarpet
FireplaceYes
# of Fireplaces1
# of Stories1
LevelsOne

Exterior

Patio / PorchPatio
RoofShingle
ConstructionStucco

Additional Information

Date ListedJuly 2, 2026
Days on Market69
HOA Fees$400.67 / Monthly
HOA FrequencyMonthly
HOA Fee IncludesInsurance, Maintenance Grounds, Pest Control
Listing TermsCash, Conventional, FHA
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: PONTE VEDRA CLUB REALTY, INC.

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

The neighborhood

About Summer House

Summer House is a neighborhood in Ponte Vedra Beach Condos, FL (St. Johns County), ZIP 32082.

View all Summer House homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

This home sold on Sep 28, 2026. If you own nearby and want to know what this sale means for your value, or you're shopping this street, I can walk you through it.

Text Krista about this saleHomes for sale nearby →

20+ years · 500+ closings · NE Florida

Curious what nearby homes sold for?

MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

Northeast Florida living

Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines