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 — a home near Ponte Vedra High School.

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Active

Active·44 days on market

683 Ponte Vedra Boulevard B

Ponte Vedra Beach, FL 32082

$1,590,000$1338/sqftEst. $8,216/moMLS# 2157181

Beds

Baths

1,188

Sq Ft

1987

Built

Garage

Pool

About this home

Ponte Vedra Beach

Wake up to sunrises over the Atlantic, sea breezes, and miles of sandy beach just outside your door. Located in the heart of Ponte Vedra Beach, The Retreat V is just a short bike ride to beach clubs, dining, and shopping. This oceanfront 2-bedroom, 2-bath upstairs end unit is filled with natural light from windows on three sides. Offered furnished and completely remodeled, it is truly move-in ready. The oceanfront porch, accessible from both the living room and the primary bedroom, provides the perfect place to enjoy the views. A proven income-producing property, this condo is equally well suited as a second home or a combination of the two. Additional features include a detached garage and an assigned parking space. This is a rare opportunity to own a remodeled oceanfront end unit in one of Ponte Vedra Beach's most desirable oceanfront communities.

Cost to own

Mortgage calculator

Home Price

$1,590,000

Down Payment: 20%

$318,000

Interest Rate: 6.71%

Loan Term

Monthly Payment

$8,216

Principal & Interest: $8,216

Property taxes (est.): $2,116

Insurance (est.): $1,060

Estimated Total Monthly

$11,392

*30-year loan at 6.71% APR (avg 30-yr rate 2026-09-03, 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 · 6.71% · 30yr$8,216

Property taxesest. at asking price, St. Johns County$2,116

HOAbilled monthly$921

Estimated total, before insurance$11,253/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 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.

Solar potential: ~1,699 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