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 Riverwood, Ponte Vedra — a gated community home in St. Johns County.

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Active

Active·28 days on market·Riverwood

488 Orchard Pass Avenue

Ponte Vedra, FL 32081

$339,900$233/sqftEst. $1,749/moMLS# 2155672

Beds

Baths

1,457

Sq Ft

2019

Built

Garage

Pool

About this home

Riverwood

Experience maintenance-free living in Del Webb Ponte Vedra, one of Northeast Florida's premier 55+ active adult communities. This beautifully maintained first-floor condo features an open floor plan with tile flooring throughout, no carpet, and a spacious kitchen with 42-inch cabinetry, stainless steel appliances, a large granite island, and separate dining area. The owner's suite offers a private retreat, while the guest bedroom and flex room with closet provide space for guests, a home office, or hobbies. An enclosed lanai with vinyl windows, adding valuable year-round living space rarely found in the community. Enjoy resort-style amenities including indoor and outdoor pools, fitness center, tennis, pickleball, clubhouse, café, and an active social calendar. Conveniently located near shopping, dining, beaches, golf, and historic St. Augustine.

Cost to own

Mortgage calculator

Home Price

$339,900

Down Payment: 20%

$67,980

Interest Rate: 6.67%

Loan Term

Monthly Payment

$1,749

Principal & Interest: $1,749

Property taxes (est.): $452

Insurance (est.): $227

Estimated Total Monthly

$2,428

*30-year loan at 6.67% APR (avg 30-yr rate 2026-08-13, 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 · 6.67% · 30yr$1,749

Property taxesest. at asking price, St. Johns County$452

HOAbilled monthly$245

Estimated total, before insurance$2,447/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.

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 D

Zone D evacuates after zones A, B, C in an approaching storm.

Roof: Shingle — year not disclosed (home built 2019)

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

Sewer & public water · JEA

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

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

Solar potential: ~1,738 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

Price & status history

Jul 23, 2026Price change$339,900−$10,100
Jul 16, 2026Listed$350,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$339,900

Price / Sq Ft$233

Bedrooms2

Bathrooms2.00

Full Baths2

Square Footage1,457

Total Structure Area1,457 sq ft

Year Built2019

TypeResidential

Sub-TypeCondominium

StyleFlat, Traditional

StatusActive

# of Garages1

Has PoolNo

Is WaterfrontNo

Gated CommunityYes

55+ CommunityYes

Community Information

Address488 Orchard Pass Avenue, Ponte Vedra, FL 32081

Area272-Nocatee South

SubdivisionRiverwood By Del Webb

CityPonte Vedra

CountySt. Johns

StateFL

Zip Code32081

Parcel Number0702520703

ZoningResidential

Amenities

AmenitiesPool, Clubhouse, Fitness Center, Gated, Jogging Path, Park, Pickleball, Sauna, Security, Spa/Hot Tub, Tennis Court(s)

UtilitiesCable Available, Cable Connected, Electricity Connected, Sewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, Guest Suite, Kitchen Island, Open Floorplan, Pantry, Primary Bathroom - Shower No Tub, Primary Downstairs, Split Bedrooms, Walk-In Closet(s)

AppliancesDishwasher, Disposal, Electric Cooktop, Electric Range, Electric Water Heater, Ice Maker, Microwave, Refrigerator

HeatingCentral

CoolingCentral Air, Electric

FlooringTile

# of Stories1

LevelsOne

LaundryElectric Dryer Hookup, In Unit, Lower Level, Washer Hookup

Security24 Hour Security, Gated with Guard, Security Gate, Smoke Detector(s)

Spa FeaturesHeated, Community