This home is in Sawgrass, Ponte Vedra Beach.

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Active·Listed today·Sawgrass

18 Cove Road

Ponte Vedra Beach, FL 32082

$549,900Est. $2,804/moMLS# 2157471

Beds

Baths

Sq Ft

1976

Built

—

Garage

Pool

About this home

Sawgrass

Can you imagine owning this in Sawgrass Country Club AND having a monthly payment less than the price of some studio apartments rents? This exclusive condo is located in the Ponte Vedra Beach Paradise. It has a golf course view, and is only steps to a private beach access. Qualified buyers may take advantage of owner financing as low as 3.5%. This beautifully renovated end-unit condo is FULLY FURNISHED and offers breathtaking golf course views, floor-to-ceiling windows, a private balcony with ocean breezes, wood-look tile, energy-efficient windows, and a designer kitchen with premium finishes. Enjoy the community pool and private deeded beach access just steps away. Whether you're looking for a primary residence, vacation home, or a high-performing short-term rental, this turnkey property delivers exceptional lifestyle and investment potential. Luxury. Location. Lifestyle. Investment. Schedule your private showing today.

Cost to own

Mortgage calculator

Home Price

$549,900

Down Payment: 20%

$109,980

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,804

Principal & Interest: $2,804

Property taxes (est.): $732

Insurance (est.): $367

Estimated Total Monthly

$3,902

*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$2,804

Property taxesest. at asking price, St. Johns County$732

HOAbilled monthly$845

Estimated total, before insurance$4,381/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$6,018/yr · $501/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

Year	Market value	Taxable value	Change
2025	$422,000	$422,000	—
2024	$465,000	$419,265	—
2023	$498,260	$381,150	—
2022	$430,000	$346,500	—
2021	$315,000	$315,000	—
2020	$315,000	$143,032	—

2025 property taxes (current owner): $6,018/yr

Estimated taxes if purchased at asking price: ~$8,800/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 (2025), 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 A

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

Roof: material not specified — year not disclosed (home built 1976)

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: ~1,803 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