This home is in Ponte Vedra Beach.

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Active

Active·6 days on market

695 A1A 86

Ponte Vedra Beach, FL 32082

$305,000$202/sqftEst. $1,623/moMLS# 2154533

Beds

Baths

1,510

Sq Ft

1974

Built

—

Garage

Pool

About this home

Ponte Vedra Beach

This beautiful spacious townhouse features hardwood floors through the entire unit, an open floor plan with combo living/dining space , guest bath, air-conditioned sunroom on the first floor, with three bedrooms and two full baths located on the second floor. Master bedroom suite features a private bathroom, large closet and screened-in balcony. The complex features two pools, tennis, basketball courts and playground. Community pool just steps away, practically in your backyard. Assigned car space right out front door, with plenty of visitor parking next to the unit. Walk to a major grocery store (Publix), top-rated restaurants, and shopping. Great convenient, car-free errands. Located in the highly rated St. Johns County School District. Hoa dues includes condo fees and water.

Cost to own

Mortgage calculator

Home Price

$305,000

Down Payment: 20%

$61,000

Interest Rate: 6.49%

Loan Term

Monthly Payment

$1,541

Principal & Interest: $1,541

Est. Taxes & Insurance: $385

Estimated Total Monthly

$1,926

*Estimates based on 30-year loan at 6.49% APR (avg 30-yr rate 2026-07-09, 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$1,623

Property taxesest. at asking price, St. Johns County$406

HOAbilled monthly$735

Estimated total, before insurance$2,764/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
2025	$220,000	$220,000	—
2024	$239,000	$219,615	—
2023	$250,170	$199,650	—
2022	$230,000	$181,500	—
2021	$168,500	$165,000	—
2020	$150,000	$150,000	—

2025 property taxes (current owner): $2,963/yr

Estimated taxes if purchased at asking price: ~$4,900/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.

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 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).

Solar potential: ~1,804 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