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

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Active

Active·2 days on market·Riverwood

478 Orchard Pass Avenue

Ponte Vedra, FL 32081

$399,000$220/sqftEst. $2,058/moMLS# 2158965

Beds

Baths

1,815

Sq Ft

2019

Built

Garage

Pool

About this home

Riverwood

Experience the best of both worlds at Del Webb Ponte Vedra--an active adult community offering resort-style living within the vibrant Nocatee master-planned community. Enjoy maintenance-free living with exceptional amenities including indoor and outdoor pools, a fitness center, tennis, pickleball and bocce courts, an on-site cafÃ©, library, ballroom, media room, arts & crafts studios, walking trails, and a full calendar of clubs and social events. Beyond the gates, you'll enjoy being part of the larger Nocatee community as well. And now, here's the perfect place to enjoy it all-- This beautifully upgraded end-unit condo offers soaring ceilings, abundant natural light, and an open floor plan. A private one-car attached garage provides direct interior access, while the original flex room has been converted into a true third bedroom for added versatility. Solid-surface flooring, designer finishes, an open kitchen, and a spacious screened lanai complete this move-in ready home.

Cost to own

Mortgage calculator

Home Price

$399,000

Down Payment: 20%

$79,800

Interest Rate: 6.69%

Loan Term

Monthly Payment

$2,058

Principal & Interest: $2,058

Property taxes (est.): $531

Insurance (est.): $266

Estimated Total Monthly

$2,855

*30-year loan at 6.69% APR (avg 30-yr rate 2026-08-06, 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 · 6.69% · 30yr$2,058

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

HOAbilled monthly$250

Estimated total, before insurance$2,839/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 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