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 waterfront home in Ponte Vedra Beach.

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Active

Active·1 day on market

153 Aruba Lane

Ponte Vedra Beach, FL 32082

$350,000$310/sqftEst. $1,785/moMLS# 2158199

Beds

Baths

1,129

Sq Ft

1987

Built

Garage

Pool

About this home

Ponte Vedra Beach

*Bring your vision to life in Ponte Vedra Beach!* Set among mature trees with pond views, this home is situated on one of the largest lots & features one of the longest driveways in The Islands community-- minutes from the beach, restaurants, shopping, grocery stores, top-rated schools, Mayo Clinic (approx. 2.8 miles) & Baptist Beaches (approx. 4.5 miles). Inside, soaring cathedral ceilings with 2 skylights create a bright, open atmosphere, the kitchen opens to the main living area for ease of flow. Utilize attached 1-car garage & screened-in patio in a variety of ways. Ready for updates & personal touches, this 2-bed, 2-full bath twin-home offers rare opportunity to reimagine each space & customize from start to finish. Whether creating for a primary residence, vacation retreat, or investment property. *Low* HOA fees include lawn maintenance & pest control, plus access to community amenities, allowing residents to enjoy a swimming pool, tennis/pickleball courts, & racquetball wall!

Cost to own

Mortgage calculator

Home Price

$350,000

Down Payment: 20%

$70,000

Interest Rate: 6.58%

Loan Term

Monthly Payment

$1,785

Principal & Interest: $1,785

Property taxes (est.): $466

Insurance (est.): $233

Estimated Total Monthly

$2,484

*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$1,785

Property taxesest. at asking price, St. Johns County$466

HOAbilled monthly$96

Estimated total, before insurance$2,346/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 B

Zone B evacuates after zone A in an approaching storm.

Roof: Shingle — year not disclosed (home built 1987)

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: ~1,379 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

As of August 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