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 Solano Cay, Ponte Vedra Beach — a waterfront home in Ponte Vedra Beach.

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Active·Listed today·Solano Cay

126 Solano Cay Circle

Ponte Vedra Beach, FL 32082

$479,000$435/sqftEst. $2,442/moMLS# 2158294

Beds

Baths

1,101

Sq Ft

1992

Built

Garage

Pool

About this home

Solano Cay

Welcome home to this bright, beautiful bungalow in the heart of Ponte Vedra Beach. Totally redone with no expense spared to make this the perfect place for you! All new flooring, paint, plantation shutters, ceiling fans, lighting, vaulted ceilings, a spacious kitchen, washer/dryer, 3 very nice sized bedrooms, 2 stunning bathrooms, a 1 car garage, a pretty yard and a gorgeous view overlooking the Solano Cay lake from the peaceful patio. Walk to the neighborhood pool, stroll to the public beach access! Enjoy fine dining and retail, 'A' rated schools, close proximity to Mayo & all the best NE FL has to offer. You'll love it here!

Cost to own

Mortgage calculator

Home Price

$479,000

Down Payment: 20%

$95,800

Interest Rate: 6.58%

Loan Term

Monthly Payment

$2,442

Principal & Interest: $2,442

Property taxes (est.): $637

Insurance (est.): $319

Estimated Total Monthly

$3,399

*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$2,442

Property taxesest. at asking price, St. Johns County$637

HOAbilled annually$58

Estimated total, before insurance$3,138/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.

Cost to own

Taxes & assessment

Year	Market value	Taxable value	Change
2025	$329,742	$329,742	—
2024	$326,565	$326,565	—
2023	$316,706	$316,706	—
2022	$304,384	$304,384	—
2021	$219,616	$17,469	—
2020	$218,076	$15,847	—

Estimated taxes if purchased at asking price: ~$7,600/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.

History