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

This home is in Fairfield, Ponte Vedra Beach — a gated community home in Ponte Vedra Beach.

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Active

Active·45 days on market·Fairfield

404 Tournament Road

Ponte Vedra Beach, FL 32082

$369,000$280/sqftEst. $2,028/mo mortgageMLS# 2164627
↓ $20,000 below original list
2
Beds
2
Baths
1,316
Sq Ft
1986
Built
1
Garage
No
Pool

7 more homes for sale in Fairfield →Search Fairfield on the map

FEMA Zone XHOA $450/moWaterfrontCondominium2 stories

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

About this home

Fairfield

Here's your chance to own in Ponte Vedra Beach at a price that's hard to beat! Located in the exclusive gated community of Fairfield, this light and bright 2 bedroom, 2 bathroom condo has an attached 1 car garage and a great water view out back. The main living area is upstairs with the kitchen opened up to the living and dining areas. The updated kitchen features brand new appliances, and the entire home has just been freshly painted. The washer and dryer are upstairs and convey with the sale. The roof, A/C and hot water heater have all been replaced within approximately the last 5-6 years. Enjoy resort-style amenities including pools, fitness center, clubhouse, pickleball, tennis and basketball courts, playground, boat and RV parking and more! Exterior building maintenance and landscaping are handled through the condo fees. With TPC Sawgrass, the beach, shopping and dining just minutes away, enjoy everything Ponte Vedra Beach has to offer! (Buyer to verify all information)

Cost to own

True monthly cost

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

Principal & interest20% down · 7.32% · 30yr$2,028
Property taxesest. at asking price, St. Johns County$491
HOAbilled monthly$450
Estimated total, before insurance$2,969/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$2,039/yr · $170/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

$369,000
$73,800
Loan Term
Monthly Payment
$2,028
Principal & Interest: $2,028
Property taxes (est.): $491
Insurance (est.): $246
Estimated Total Monthly
$2,765
*30-year loan at 7.32% APR (avg 30-yr rate 2026-10-22, 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 1986)

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

Sewer · St Johns County Utilities - accounts · Public water · St Johns County Utilities - water accounts

County records show this parcel on central sewer served by St Johns County Utilities - accounts — no septic system to inspect or maintain.

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

Solar potential: ~1,769 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): $2,039/yr

Estimated taxes if purchased at asking price: ~$5,900/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

  • Oct 7, 2026Price change$369,000−$20,000
  • Sep 12, 2026Listed$389,000

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 $290/sq ft; this home is listed at $280/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
504 Tournament Road, Ponte Vedra Beach, FL 32082Listed by KELLER WILLIAMS JACKSONVILLEMay 2026$330,000$2512/21,316160
10025 Sawgrass Drive E, Ponte Vedra Beach, FL 32082Listed by PONTE VEDRA CLUB REALTY, INC.Jun 2026$530,000$3722/21,424170.6
211 Colima Court 1128, Ponte Vedra Beach, FL 32082Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTYAug 2026$240,000$2062/21,163390.8
9777 Sawgrass Drive E, Ponte Vedra Beach, FL 32082Listed by WATSON REALTY CORPJul 2026$590,000$4142/21,424190.8
160 Veracruz Drive 433, Ponte Vedra Beach, FL 32082Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERSJul 2026$270,000$2542/21,065320.8
7 Cove Road, Ponte Vedra Beach, FL 32082Listed by ERA ONETEAM REALTYJun 2026$455,000$2902/2.51,567670.8

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$369,000
Price / Sq Ft$280
Bedrooms2
Bathrooms2.00
Full Baths2
Square Footage1,316
Year Built1986
TypeResidential
Sub-TypeCondominium
Property ConditionUpdated/Remodeled
StatusActive
# of Garages1
Has PoolNo
Is WaterfrontYes
Gated CommunityYes

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

Address404 Tournament Road, Ponte Vedra Beach, FL 32082
Area263-Ponte Vedra Beach-W Of A1A-S Of CR-210
SubdivisionFairfield
CityPonte Vedra Beach
CountySt. Johns
StateFL
Zip Code32082
Parcel Number0662104202

Amenities

AmenitiesPool, Basketball Court, Clubhouse, Fitness Center, Gated, Jogging Path, Maintenance Grounds, Management - Part Time, Playground, RV/Boat Storage, Sauna, Spa/Hot Tub, Tennis Court(s)
UtilitiesElectricity Connected, Sewer Connected, Water Connected
Water SourcePublic
ParkingGarage, Garage Door Opener
ViewPond
Waterfront TypePond

Interior

Interior FeaturesCeiling Fan(s), Entrance Foyer, Kitchen Island, Primary Bathroom - Tub with Shower, Walk-In Closet(s)
AppliancesDishwasher, Electric Oven, Electric Water Heater, Refrigerator, Washer
HeatingCentral
CoolingCentral Air
FlooringLaminate, Tile
FireplaceNo
# of Fireplaces0
# of Stories2
LevelsTwo
LaundryIn Unit, Upper Level

Exterior

Exterior FeaturesBalcony
Patio / PorchCovered, Deck, Front Porch, Rear Porch, Screened

Additional Information

Date ListedSeptember 12, 2026
Days on Market45
HOA Fees$450 / Monthly
HOA FrequencyMonthly
HOA NameFairfield HOA
HOA Fee IncludesInsurance, Maintenance Grounds
Tax Amount$2,039.46
Tax Year2025
Listing TermsCash, Conventional, FHA, VA Loan
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: ROUND TABLE REALTY

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 Fairfield

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

View all Fairfield 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.

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20+ years · 500+ closings · NE Florida

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Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

Northeast Florida living

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