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 55+ community home in Nocatee.

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Active

Active·3 days on market·Riverwood

491 Orchard Pass Avenue

Ponte Vedra, FL 32081

$350,000$193/sqftEst. $1,801/moMLS# 2160216

Beds

Baths

1,815

Sq Ft

2019

Built

Garage

Pool

About this home

Riverwood

Welcome to effortless Florida living in the highly sought-after 55+ community of Del Webb Ponte Vedra! This desirable 2-bedroom, 2-bath second floor end unit residence offers approximately 1,815 square feet of comfortable living space, a private entrance, and the added privacy and natural light that come with an end-unit location. The thoughtfully designed floor plan provides plenty of space for everyday living and entertaining, while the covered and extended screend balcony extends your living space outdoors--perfect for morning coffee, relaxing with a book, or enjoying the Florida breeze. Enjoy a low-maintenance lifestyle with access to Del Webb's impressive Anastasia Club and its resort-style amenities, including indoor and outdoor pools, fitness facilities, pickleball, tennis, bocce, walking and biking trails, and an active calendar of clubs, activities and social events.

Cost to own

Mortgage calculator

Home Price

$350,000

Down Payment: 20%

$70,000

Interest Rate: 6.67%

Loan Term

Monthly Payment

$1,801

Principal & Interest: $1,801

Property taxes (est.): $466

Insurance (est.): $233

Estimated Total Monthly

$2,500

*30-year loan at 6.67% APR (avg 30-yr rate 2026-08-13, 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 · 6.67% · 30yr$1,801

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

HOAbilled monthly$245

Estimated total, before insurance$2,512/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,664/yr · $389/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

2025 property taxes (current owner): $4,664/yr

Estimated taxes if purchased at asking price: ~$5,600/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, 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 D

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

Roof: Shingle — 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: ~1,745 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 14, 2026Listed$350,000

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

Features

Price$350,000

Price / Sq Ft$193

Bedrooms2

Bathrooms2.00

Full Baths2

Square Footage1,815

Total Structure Area1,815 sq ft

Year Built2019

TypeResidential

Sub-TypeCondominium

StyleSpanish

StatusActive

# of Garages1

Has PoolNo

Is WaterfrontNo

Gated CommunityYes

55+ CommunityYes

Community Information

Address491 Orchard Pass Avenue, Ponte Vedra, FL 32081

Area272-Nocatee South

SubdivisionRiverwood By Del Webb

CityPonte Vedra

CountySt. Johns

StateFL

Zip Code32081

Parcel Number0702520601

ZoningResidential

Amenities

AmenitiesPool, Clubhouse, Fitness Center, Gated, Golf Course, Jogging Path, Maintenance Grounds, Park, Pickleball, Sauna, Shuffleboard Court, Spa/Hot Tub, Tennis Court(s), Water

UtilitiesCable Available, Electricity Available, Sewer Available, Water Available

SewerPublic Sewer

Water SourcePublic

ParkingAttached, Garage, Garage Door Opener

ViewPond, Protected Preserve