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This home is in Sawgrass, Ponte Vedra Beach — a gated community home in Ponte Vedra Beach.

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Active

Active·46 days on market·Sawgrass

131 Willow Pond Lane

Ponte Vedra Beach, FL 32082

$539,900$379/sqftEst. $2,776/moMLS# 2155029

Beds

Baths

1,423

Sq Ft

1985

Built

Garage

Pool

About this home

Sawgrass

Welcome to the prestigious gated community of Sawgrass Country Club! Nestled in the desirable Willow Pond neighborhood with convenient access to the South Gate, this beautifully maintained home offers the perfect blend of comfort and convenience. Inside, you'll find two spacious bedrooms and two full bathrooms, along with a separate living and dining area designed for both everyday living and entertaining. The bright enclosed sunroom provides the perfect space for a home office, reading nook, or relaxing sitting area. The eat-in kitchen offers ample space for casual dining and includes direct access to the attached two-car garage. Enjoy peace of mind with recent major updates, including a new HVAC system (2025), a new roof (2026), and fresh exterior paint (2026). Whether you're looking for a full-time residence or a vacation retreat, this home offers an exceptional opportunity to enjoy the sought-after Sawgrass Country Club lifestyle.

Cost to own

Mortgage calculator

Home Price

$539,900

Down Payment: 20%

$107,980

Interest Rate: 6.66%

Loan Term

Monthly Payment

$2,776

Principal & Interest: $2,776

Property taxes (est.): $718

Insurance (est.): $360

Estimated Total Monthly

$3,854

*30-year loan at 6.66% APR (avg 30-yr rate 2026-08-27, 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 · 6.66% · 30yr$2,776

Property taxesest. at asking price, St. Johns County$718

HOAbilled semi-annually$198

Estimated total, before insurance$3,692/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$6,016/yr · $501/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

2025 property taxes (current owner): $6,016/yr

Estimated taxes if purchased at asking price: ~$8,600/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, 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 — 2026 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

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: ~1,787 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