This home is in Sawgrass, Ponte Vedra Beach.

No photos available

This listing has no photos yet

No photos available

This listing has no photos yet

Active

Active·Listed today·Sawgrass

132 Willow Pond Lane

Ponte Vedra Beach, FL 32082

$625,000$331/sqftEst. $3,187/moMLS# 2156373

Beds

Baths

1,886

Sq Ft

1985

Built

Garage

Pool

About this home

Sawgrass

OPEN HOUUSE SUNDAY JULY 26 11-4 PM Welcome to effortless coastal living in the prestigious gated community of Sawgrass Country Club. This beautifully remodeled 3-bedroom, 2½-bath townhome offers approximately 1,900 square feet of thoughtfully designed living space, featuring a desirable first-floor primary suite for comfort and convenience. The light-filled interior showcases stylish luxury vinyl plank flooring throughout the main living areas, an updated kitchen and baths, and tasteful finishes that create a fresh, modern feel. The open floor plan flows seamlessly to a screened porch, providing the perfect space to enjoy your morning coffee, entertain friends, or relax in the coastal breeze. Additional features include a spacious two-car garage, generous storage, and low-maintenance living in one of Northeast Florida's most sought-after communities. Residents enjoy 24-hour gated security and private beach access, making it easy to experience the best of the Sawgrass lifestyle.

Cost to own

Mortgage calculator

Home Price

$625,000

Down Payment: 20%

$125,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$3,187

Principal & Interest: $3,187

Property taxes (est.): $832

Insurance (est.): $417

Estimated Total Monthly

$4,435

*30-year loan at 6.58% APR (avg 30-yr rate 2026-07-23, 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 · 6.58% · 30yr$3,187

Property taxesest. at asking price, St. Johns County$832

HOAbilled semi-annually$198

Estimated total, before insurance$4,216/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,309/yr · $192/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): $2,309/yr

Estimated taxes if purchased at asking price: ~$10,000/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 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 1985)

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

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