Skip to main content
Work directly with Krista on any home hereBroker Associate · 20+ years · 500+ closingsChristie's International Real Estate First Coast

This home is in Summer House, Ponte Vedra Beach.

Photo 1 / 52
Active

Active·48 days on market·Summer House

831 Shoreline Circle

Ponte Vedra Beach, FL 32082

$207,000$233/sqftEst. $1,147/mo mortgageMLS# 2163183
↓ $6,000 below original list
2
Beds
1
Baths
890
Sq Ft
1985
Built
—
Garage
No
Pool

11 more homes for sale in Summer House →Search Summer House on the map

FEMA Zone XHOA $473/moCondominium1 story

See it this week

Want to walk through this home this week?

Leave your number and I will call to set it up. Before we go I pull the flood zone and the true monthly cost, so you know what you are looking at.

Call (904) 709-7917 Text Krista

Krista Fracke, Broker Associate. You'll hear back from me directly, not from a call center.

About this home

Summer House

Move-in ready! This EAST of A1A beautifully updated 2-bed, 1-bath unit offers a screened-in balcony with peaceful lake view and an inviting, open feel throughout. The light and bright kitchen includes a wet bar and stainless steel appliances. Additional upgrades include modern flooring, a renovated bathroom, a 2024 A/C, a 2024 water heater, new chimney cap 2025, a rain cover for the porch and custom closet systems. Residents enjoy 5-star amenities such as two pools and spas, a clubhouse, and a fitness center. Zoned for top-rated schools: PV Rawlings, Landrum, and Ponte Vedra High. Walk or ride your bike to the BEACH! Ask about our Preferred Membership opportunity to Gate Hospitality, including Ponte Vedra Inn & Club, The Lodge & Club, Epping Forest, and The River Club.

Next steps in Summer House

FollowNew Summer House homes the day they list · free, no account

Cost to own

True monthly cost

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

Principal & interest20% down · 7.4% · 30yr$1,147
Property taxesest. at asking price, St. Johns County$275
HOAbilled monthly$473
Estimated total, before insurance$1,895/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$1,697/yr · $141/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).
Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

$207,000
$41,400
Loan Term
Monthly Payment
$1,147
Principal & Interest: $1,147
Property taxes (est.): $275
Insurance (est.): $138
Estimated Total Monthly
$1,560
*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-15, 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 B

Zone B evacuates after zone A in an approaching storm.

Roof: material not specified — year not disclosed (home built 1985)

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

Sewer · JEA_Premises point dataset CCB_DESCR like sewer

County records show this parcel on central sewer served by JEA_Premises point dataset CCB_DESCR like sewer — no septic system to inspect or maintain.

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

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 September 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.

Around this address

Nearby, from public data

The closest public beach, park, water access, league fields and grocery store from this home's location.

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; stores from state food permits and each chain’s store list. Distances are straight-line from this home unless a drive time is shown. Fees, hours and access change, so check the agency’s page before you go.

Cost to own

Taxes & assessment

2025 property taxes (current owner): $1,697/yr

Estimated taxes if purchased at asking price: ~$3,300/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.

History

Price & status history

  • Sep 23, 2026Price change$207,000−$6,000
  • Sep 2, 2026Listed$213,000

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

Closed sales

What sold nearby

Closed sales within about two miles in the last 18 months, same property type, similar size. Closed prices from the MLS, not estimates. Their median is $253/sq ft; this home is listed at $233/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
871 Coral Reef Way Way, Ponte Vedra Beach, FL 32082Listed by PONTE VEDRA CLUB REALTY, INC.Sep 2026$180,000$2451/1734690
825 Shoreline Circle, Ponte Vedra Beach, FL 32082Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERSMay 2026$225,000$2532/18901480
930 Seashell Lane, Ponte Vedra Beach, FL 32082Listed by COLDWELL BANKER VANGUARD REALTYMay 2026$220,000$2132/21,0331190
833 Shoreline Circle, Ponte Vedra Beach, FL 32082Listed by INTEGRITY KEY REALTY LLCApr 2026$202,000$2272/18902950
799 Sandpiper Lane, Ponte Vedra Beach, FL 32082Listed by COLDWELL BANKER VANGUARD REALTYSep 2026$310,000$2792/21,113820.1
912 Shoreline Circle, Ponte Vedra Beach, FL 32082Listed by COMPASS FLORIDA LLCJul 2026$276,000$2672/21,033320.1

Sold data from the realMLS IDX feed. A closed price is what a buyer paid, not what this home is worth; Krista runs the adjustments per home.

Features

Price$207,000
Price / Sq Ft$233
Bedrooms2
Bathrooms1.00
Full Baths1
Square Footage890
Year Built1985
TypeResidential
Sub-TypeCondominium
StatusActive
Has PoolNo
Is WaterfrontNo

School Information

Zone sourceSt. Johns County School District attendance zones, current school year. Zones change; confirm with the district before you rely on one.
Reported byThe listing agent, in the MLS. Where it differs from the zone, the zone wins.

Community Information

Address831 Shoreline Circle, 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 Number0615000831

Amenities

AmenitiesPool, Clubhouse, Fitness Center, Jogging Path, Tennis Court(s)
UtilitiesCable Connected
Water SourcePublic
ParkingUnassigned
ViewPond

Interior

Interior FeaturesCeiling Fan(s), Primary Bathroom - Shower No Tub, Walk-In Closet(s)
AppliancesElectric Oven, Electric Range, Microwave, Refrigerator
HeatingCentral
CoolingCentral Air
FlooringCarpet, Tile
FireplaceYes
# of Fireplaces1
# of Stories1

Additional Information

Date ListedSeptember 3, 2026
Days on Market48
HOA Fees$473 / Monthly
HOA FrequencyMonthly
Tax Amount$1,696.81
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: PONTE VEDRA CLUB REALTY, INC.

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 Summer House

Summer House is a neighborhood in Ponte Vedra Beach Condos, FL (St. Johns County), ZIP 32082.

View all Summer House homes for sale →

Your Local Realtor

Krista Fracke - Broker Associate

Krista Fracke

Broker Associate

Interested in this home? I know this area inside and out — let's talk about whether it's the right fit for you.

Text Krista about this home

20+ years · 500+ closings · NE Florida

Is this home priced right?

Ask Krista and she'll email you her read on how this price compares with recent sales nearby.

Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

Northeast Florida living

Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines