This home is in Ponte Vedra Beach.

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Active

Active·11 days on market

145 Bimini Court

Ponte Vedra Beach, FL 32082

$444,000$375/sqftEst. $2,363/moMLS# 2153851

Beds

Baths

1,184

Sq Ft

1987

Built

Garage

Pool

About this home

Ponte Vedra Beach

Welcome to The Islands at Ponte Vedra Lakes! This beautifully updated 2-bedroom, 2-bath townhouse offers the spacious feel and privacy of a patio home with the convenience of low-maintenance living. The remodeled kitchen features white cabinetry, granite countertops, and ample workspace, while the renovated bathrooms offer a fresh, modern touch. A dedicated generator outlet provides added peace of mind. Filled with natural light, the open floor plan opens to a covered, screened patio overlooking the water, an ideal setting to enjoy your morning coffee, unwind in the evening, or entertain guests. Residents enjoy a clubhouse, community pool, tennis and racquetball courts. Conveniently located just minutes from the beach, shopping, dining, JTB, and top-rated St. Johns County schools, this home is perfect as a primary residence, vacation getaway, or investment opportunity.

Cost to own

Mortgage calculator

Home Price

$444,000

Down Payment: 20%

$88,800

Interest Rate: 6.55%

Loan Term

Monthly Payment

$2,257

Principal & Interest: $2,257

Est. Taxes & Insurance: $564

Estimated Total Monthly

$2,821

*Estimates based on 30-year loan at 6.55% APR (avg 30-yr rate 2026-07-16, Freddie Mac PMMS via FRED). Actual payments 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 · 7.0% · 30yr$2,363

Property taxesest. at asking price, St. Johns County$591

HOAbilled monthly$98

Estimated total, before insurance$3,052/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, SilverLeaf, eTown…), bond assessments are collected on the property-tax bill — the tax estimate above reflects county averages, so confirm this home’s exact CDD with us.
• 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
2024	$323,776	$182,238	—
2023	$305,930	$175,474	—
2022	$283,689	$168,907	—
2021	$212,531	$162,531	—
2020	$211,752	$194,364	—

2025 property taxes (current owner): $3,031/yr

Estimated taxes if purchased at asking price: ~$7,100/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 (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 1987)

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: ~1,733 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

Informational only, based on FEMA National Flood Hazard Layer and Florida Division of Emergency Management data at this property’s coordinates. Zones change with map revisions — verify the parcel at msc.fema.gov and floridadisaster.org/knowyourzone before relying on this.

History