This home is in Sawgrass, Ponte Vedra Beach.

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Active·Listed today·Sawgrass

138 Bermuda Court

Ponte Vedra Beach, FL 32082

$589,000$364/sqftEst. $3,135/moMLS# 2155614

Beds

Baths

1,620

Sq Ft

1979

Built

—

Garage

Pool

About this home

Sawgrass

Beautifully Updated Home for Sale in TPC Sawgrass Welcome to this exceptional home in the prestigious TPC Sawgrass community, one of Northeast Florida's most sought-after neighborhoods and home to the world-renowned THE PLAYERS Championship, held annually on the iconic Stadium Course. This move-in-ready residence has been completely updated, offering peace of mind with all the major systems already replaced or upgraded. From the roof and HVAC to plumbing, electrical, and other essential components, every detail has been thoughtfully maintained, allowing you to enjoy modern comfort without the worry of costly future updates. Inside, you'll find a beautifully refreshed interior featuring stylish designer finishes, an open and inviting layout, and abundant natural light. Whether you're entertaining guests or enjoying a quiet evening at home, this property offers the perfect blend of elegance and functionality. Living in TPC Sawgrass means more than owning a home--it's embracing an exc

Cost to own

Mortgage calculator

Home Price

$589,000

Down Payment: 20%

$117,800

Interest Rate: 6.55%

Loan Term

Monthly Payment

$2,994

Principal & Interest: $2,994

Est. Taxes & Insurance: $748

Estimated Total Monthly

$3,742

*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$3,135

Property taxesest. at asking price, St. Johns County$784

HOAbilled monthly$205

Estimated total, before insurance$4,124/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

2025 property taxes (current owner): $5,882/yr

Estimated taxes if purchased at asking price: ~$9,400/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, NEFMLS.

Storms & insurance

Florida Reality Check

The storm-and-insurance facts every Florida buyer should know up front.

Flood zone not yet determined

Check the exact parcel at msc.fema.gov or ask Krista to pull it.

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

Evacuation zone not yet determined

Check floridadisaster.org/knowyourzone.

Roof: Shingle — year not disclosed (home built 1979)

Roof age drives Florida insurance pricing more than anything else — worth confirming before you offer.

Solar potential: ~1,404 usable sun-hours per year

Moderate solar exposure — shade or roof orientation limits panel output here.

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