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This home is in Summer House, Ponte Vedra Beach — a home near Ponte Vedra High School.

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Active

Active·1 day on market·Summer House

775 Sea Oats Bay

Ponte Vedra Beach, FL 32082

$295,000$265/sqftEst. $1,515/moMLS# 2161327

Beds

Baths

1,113

Sq Ft

1985

Built

—

Garage

Pool

About this home

Summer House

Don't miss this one! Condo living at its best. Located in Summer House, East of A1A in Ponte Vedra Beach. This single story, end unit with private gated courtyard entry with pavers on a culdesac. The 2 bedroom 2 bath patio style home has no one above or below you. This floor plan flows nicely with large living room with wood burning fireplace, beautiful laminate floors throughout with plenty of natural light. Kitchen has maple cabinets and stainless steel appliances. Large walk in closets in both bedrooms, and a screened patio off the living area with outside storage. New double pane windows and plantation shudders throughout. Condo fees include water and sewer. Summer House features: 2 resort style pools, tennis courts, movie theater, billiard room, business center and a 24-hour fitness center. Conveniently located in prestigious Ponte Vedra Beach, close to the ocean just North of Sawgrass Village with Shops Dining & Golf.

Cost to own

Mortgage calculator

Home Price

$295,000

Down Payment: 20%

$59,000

Interest Rate: 6.65%

Loan Term

Monthly Payment

$1,515

Principal & Interest: $1,515

Property taxes (est.): $393

Insurance (est.): $197

Estimated Total Monthly

$2,104

*30-year loan at 6.65% APR (avg 30-yr rate 2026-08-20, 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 · 6.65% · 30yr$1,515

Property taxesest. at asking price, St. Johns County$393

HOAbilled monthly$591

Estimated total, before insurance$2,499/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

2025 property taxes (current owner): $418/yr

Estimated taxes if purchased at asking price: ~$4,700/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 B

Zone B evacuates after zone A in an approaching storm.

Roof: Shingle — year not disclosed (home built 1985)

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

Solar potential: ~1,757 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 21, 2026Listed$295,000

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

Features

Price$295,000

Price / Sq Ft$265

Bedrooms2

Bathrooms2.00

Full Baths2

Square Footage1,113

Year Built1985

TypeResidential

Sub-TypeCondominium

StyleCottage, Ranch

StatusActive

Has PoolNo

Is WaterfrontNo

Direction FacesEast

School Information

ElementaryOcean Palms

MiddleAlice B. Landrum

HighPonte Vedra

Community Information

Address775 Sea Oats Bay, Ponte Vedra Beach, FL 32082

Area261-Ponte Vedra Bch-S Of Corona-E Of A1E/Lake Pv

SubdivisionSummer House

CityPonte Vedra Beach

CountySt. Johns

StateFL

Zip Code32082

Parcel Number061500-0775

ZoningCondominium

Amenities

AmenitiesPool, Barbecue, Basketball Court, Car Wash Area, Clubhouse, Fitness Center, Maintenance Grounds, Management - Full Time, Management- On Site, Tennis Court(s)

UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected

Water SourcePublic

ParkingAdditional Parking, Parking Lot

ViewTrees/Woods

Interior

Interior FeaturesBreakfast Bar, Ceiling Fan(s), Entrance Foyer, Open Floorplan, Primary Bathroom - Shower No Tub, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)

AppliancesDishwasher, Disposal, Dryer, Electric Cooktop, Electric Oven, Electric Water Heater, Microwave, Refrigerator, Washer

HeatingCentral, Electric, Heat Pump

CoolingCentral Air, Electric

FlooringLaminate

FireplaceYes

# of Fireplaces1

Fireplace FeaturesWood Burning

# of Stories1

LevelsOne

Window FeaturesSkylight(s)

SecuritySmoke Detector(s)