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This home is in Riverwood, Ponte Vedra — a gated community home in St. Johns County.

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Active

Active·47 days on market·Riverwood

478 Orchard Pass Avenue

Ponte Vedra, FL 32081

$399,000$220/sqftEst. $2,113/moMLS# 2158965

Beds

Baths

1,815

Sq Ft

2019

Built

Garage

Pool

FEMA Zone XHOA $250/moCondominium2 stories

About this home

Riverwood

Experience the best of both worlds in Del Webb Ponte Vedra, a resort-style active adult living within the vibrant Nocatee community. Enjoy a low-maintenance lifestyle with an incredible array of amenities, including indoor and outdoor pools, fitness center, tennis, pickleball and bocce courts, café, library, arts and crafts studios, walking trails, and an active calendar of clubs and social events. Outside the gates, you're part of everything Nocatee has to offer, from shopping and dining to recreation and community events. This upgraded end-unit condo is designed for easy living with soaring ceilings, abundant natural light, and an open-concept layout. The former flex room has been transformed into a true third bedroom, offering flexibility for guests or an office. Additional highlights include solid-surface flooring, designer finishes, an open kitchen, spacious screened lanai, and a private one-car attached garage with direct interior access. Your next chapter starts here!

Cost to own

True monthly cost

What this home actually costs per month at the asking price — not just the mortgage.

Principal & interest20% down · 6.95% · 30yr$2,113

Property taxesest. at asking price, St. Johns County$531

HOAbilled monthly$250

Estimated total, before insurance$2,894/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.

Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

Home Price

$399,000

Down Payment: 20%

$79,800

Interest Rate: 6.95%

Loan Term

Monthly Payment

$2,113

Principal & Interest: $2,113

Property taxes (est.): $531

Insurance (est.): $266

Estimated Total Monthly

$2,910

*30-year loan at 6.95% APR (avg 30-yr rate 2026-09-17, 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.

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 D

Zone D evacuates after zones A, B, C in an approaching storm.

Roof: material not specified — year not disclosed (home built 2019)

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

Sewer & public water · JEA

County records show this parcel on central sewer served by JEA — no septic system to inspect or maintain.

Source: Florida DOH Water Management Inventory (public record).

Solar potential: ~1,738 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 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

Price & status history

Aug 6, 2026Listed$399,000

History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.

Features

Price$399,000

Price / Sq Ft$220

Bedrooms3

Bathrooms2.00

Full Baths2

Square Footage1,815

Year Built2019

TypeResidential

Sub-TypeCondominium

Property ConditionUpdated/Remodeled

StatusActive

# of Garages1

Has PoolNo

Is WaterfrontNo

Gated CommunityYes

55+ CommunityYes

Community Information

Address478 Orchard Pass Avenue, Ponte Vedra, FL 32081

Area272-Nocatee South

SubdivisionDel Webb Ponte Vedra

CityPonte Vedra

CountySt. Johns

StateFL

Zip Code32081

Parcel Number0702520708

Amenities

AmenitiesPool, Clubhouse, Fitness Center, Gated, Maintenance Grounds, Pickleball, Sauna, Security, Spa/Hot Tub, Tennis Court(s), Trash

Community FeaturesSidewalks, Fishing, Street Lights, Restaurant, Gated

UtilitiesCable Available, Electricity Available, Sewer Available, Water Available

SewerPublic Sewer

Water SourcePublic

ParkingAdditional Parking, Garage

Interior

Interior FeaturesBreakfast Bar, Entrance Foyer, Kitchen Island, Open Floorplan, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDryer, Washer

HeatingCentral

CoolingCentral Air

# of Stories2

LevelsTwo

LaundryIn Unit

SecurityFire Sprinkler System, Gated with Guard

Spa FeaturesCommunity

Exterior

Exterior FeaturesBalcony

Patio / PorchCovered, Rear Porch, Screened

Additional Information

Date ListedAugust 6, 2026

Days on Market44

HOA Fees$250 / Monthly

HOA FrequencyMonthly

Listing TermsCash, Conventional, FHA, VA Loan

55+ CommunityYes

New ConstructionNo

Listing Courtesy of: COMPASS FLORIDA LLC · jennyjaxrealtor@gmail.com

Information deemed reliable but not guaranteed. Data provided through the IDX program of realMLS (Northeast Florida Multiple Listing Service). © 2026 Northeast Florida Multiple Listing Service, Inc. All rights reserved.

The neighborhood

About Riverwood

Riverwood is a neighborhood in Nocatee, FL (St. Johns County), ZIP 32081.

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