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 L'Atrium, Ponte Vedra Beach — a waterfront home in Ponte Vedra Beach.

1 / 33

Active

Active·1 day on market·L'Atrium

2821 St Tropez Court

Ponte Vedra Beach, FL 32082

$465,000$422/sqftEst. $2,403/moMLS# 2163368

Beds

Baths

1,102

Sq Ft

1984

Built

Garage

Pool

About this home

L'Atrium

This recently remodeled home with sought after Ponte Vedra Beach Location is ready for you to call home ! Directly across from Sawgrass Villages the L'Atrium Community is located in the heart of Ponte Vedra, with convenient access to renowned golf at TPC Sawgrass and Ponte Vedra Inn and club, there are also the pristine beaches, local shops and restaurants as well as A rated Schools! This refreshed Ponte Vedra home offers a bright & spacious, modern coastal feel with tastefully curated finishes , making you feel at home right away. Updates include a new kitchen equipped with slim shaker cabinets, quartz counters w/ breakfast bar, & stainless appliance package. 2 bathrooms updated with new vanities , shower tiles, mirrors and accessories, lvp flooring , interior/ exterior paint, as well as new lighting & brushed nickel plumbing fixtures throughout. Community Amenities include - community pool & tennis courts/pickelball court. Brand New Electrical panel 2026 and newer roof 2019.

Cost to own

Mortgage calculator

Home Price

$465,000

Down Payment: 20%

$93,000

Interest Rate: 6.71%

Loan Term

Monthly Payment

$2,403

Principal & Interest: $2,403

Property taxes (est.): $619

Insurance (est.): $310

Estimated Total Monthly

$3,332

*30-year loan at 6.71% APR (avg 30-yr rate 2026-09-03, 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 · 6.71% · 30yr$2,403

Property taxesest. at asking price, St. Johns County$619

HOAbilled semi-annually$62

Estimated total, before insurance$3,083/mo

Seller’s 2025 tax billper the MLS — includes any CDD / assessments$4,708/yr · $392/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): $4,708/yr

Estimated taxes if purchased at asking price: ~$7,400/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 A

Zone A evacuates first in a storm — typically coastal and surge-prone areas.

Roof: material not specified — 2019 per the listing

A recent roof is the single biggest lever on Florida homeowners-insurance pricing.

Sewer · JEA · Public water · JEA_Premises point dataset with CCB_DESC like Water

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: ~1,812 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.

History