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 Belleza, Ponte Vedra Beach — a waterfront home in Ponte Vedra Beach.

1 / 44

Active

Active·45 days on market·Belleza

430 Timberwalk Court 1018

Ponte Vedra Beach, FL 32082

$336,000$332/sqftEst. $1,726/moMLS# 2153835

Beds

Baths

1,012

Sq Ft

1997

Built

—

Garage

Pool

About this home

Belleza

STUNNING WATERFRONT END-UNIT in gated Belleza! This beautifully renovated first-floor condo offers peaceful lake views from every room and no sidewalk in front for added privacy. The thoughtfully redesigned kitchen features an impressive 8' island with abundant cabinetry, quartz countertops, custom backsplash, soft-close drawers, pull-out spice rack and a built-in dining buffet. Both bathrooms are beautifully updated, including a custom-tiled primary shower and quartz vanities. Enjoy luxury vinyl plank flooring, crown molding, plantation shutters, updated fixtures, a tiled corner fireplace and fresh professional paint throughout. The screened lanai overlooks the tranquil pond and fountain--perfect for morning coffee or evening dining. Exceptional storage includes a walk-in modular primary closet, guest walk-in closet, exterior storage and opportunity for purchase separately of a RARE private garage with electricity, lighting and overhead rafter storage. Belleza offers resort-style ...

Cost to own

Mortgage calculator

Home Price

$336,000

Down Payment: 20%

$67,200

Interest Rate: 6.65%

Loan Term

Monthly Payment

$1,726

Principal & Interest: $1,726

Property taxes (est.): $447

Insurance (est.): $224

Estimated Total Monthly

$2,397

*30-year loan at 6.65% APR (avg 30-yr rate 2026-08-20, 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 · 6.65% · 30yr$1,726

Property taxesest. at asking price, St. Johns County$447

HOAbilled monthly$437

Estimated total, before insurance$2,610/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$1,636/yr · $136/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
2024	$243,500	$105,677	—
2023	$239,650	$101,143	—
2022	$180,500	$96,741	—
2021	$158,500	$92,467	—
2020	$140,500	$90,500	—

2025 property taxes (current owner): $1,636/yr

Estimated taxes if purchased at asking price: ~$5,400/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 (2024), 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 B

Zone B evacuates after zone A in an approaching storm.

Roof: material not specified — year not disclosed (home built 1997)

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: ~1,750 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

Jul 16, 2026Price change$336,000−$14,000
Jul 9, 2026Active$350,000

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

Features

Price$336,000

Price / Sq Ft$332

Bedrooms2

Bathrooms2.00

Full Baths2

Square Footage1,012

Year Built1997

TypeResidential

Sub-TypeCondominium

Property ConditionUpdated/Remodeled

StatusActive

Has PoolNo

Is WaterfrontYes

Gated CommunityYes

Direction FacesSouth

Community Information

Address430 Timberwalk Court 1018, Ponte Vedra Beach, FL 32082

Area252-Ponte Vedra Beach-W Of A1A-N Of Solana Rd

SubdivisionBelleza At Ponte Vedra Condo

CityPonte Vedra Beach

CountySt. Johns

StateFL

Zip Code32082

Parcel Number0510881018

ZoningCondominium

Amenities

AmenitiesPool, Barbecue, Car Wash Area, Clubhouse, Dog Park, Fitness Center, Gated, Maintenance Grounds, Management - Full Time, Management- On Site, Pickleball, RV/Boat Storage, Spa/Hot Tub, Tennis Court(s), Trash

UtilitiesElectricity Available, Electricity Connected, Sewer Available, Sewer Connected, Water Available, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingGarage, Guest, Parking Lot, Unassigned

ViewPond, Water

Waterfront TypePond