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 Ponte Vedra Beach — an oceanfront condo in Ponte Vedra Beach.

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Active

Active·45 days on market

142 Sea Hammock Way

Ponte Vedra Beach, FL 32082

$1,500,000$929/sqftEst. $7,712/moMLS# 2155427

Beds

Baths

1,614

Sq Ft

1987

Built

Garage

Pool

About this home

Ponte Vedra Beach

Open House Sat.11-1pm. Beautifully updated in sought after Sea Hammock Way! Ocean vistas abound off the front deck and views of lush Guana lake and wildlife preserve are taken in from the back. Allowing spectacular sunrises and magnificent sunset viewing. The chef's kitchen is laid out very nicely overlooking the preserve with countertop space for in kitchen dining. Light and bright with newer stainless appliances and a sliding door for deck access from kitchen. Cathedral ceiling in the living room with a stacked stone fireplace accent your ocean view! Spacious wrap around deck for outdoor living! Recent Improvements include: Converted wood burning fireplace to electric Newer kitchen appliances Pella windows and doors Carrier Heat & Air System (10 yr. warranty - installed 2023) Electric Shutters Ductwork and grills replaced Hot water Heater Grout restored throughout including bath and shower Shark floor coating garage Quartz kitchen countertop Plush carpeting Call today for a showin

Cost to own

Mortgage calculator

Home Price

$1,500,000

Down Payment: 20%

$300,000

Interest Rate: 6.66%

Loan Term

Monthly Payment

$7,712

Principal & Interest: $7,712

Property taxes (est.): $1,996

Insurance (est.): $1,000

Estimated Total Monthly

$10,708

*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$7,712

Property taxesest. at asking price, St. Johns County$1,996

HOAbilled monthly$1,765

Estimated total, before insurance$11,473/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,478/yr · $373/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): $4,478/yr

Estimated taxes if purchased at asking price: ~$24,000/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 VE — coastal high-hazard area

Flood insurance is required by lenders, at coastal (wave-action) rates.

Flood damage is not covered by standard homeowners insurance — it’s always a separate policy.

Hurricane evacuation zone A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

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 & public water · St Johns County Utilities

County records show this parcel on central sewer served by St Johns County Utilities — no septic system to inspect or maintain.

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

Solar potential: ~1,805 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