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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 Riverwood, Ponte Vedra a gated community home in St. Johns County.

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Active

Active·Listed today·Riverwood

192 Orchard Pass Avenue 531

Ponte Vedra, FL 32081

$434,000$204/sqftEst. $2,254/moMLS# 2164959
2
Beds
2
Baths
2,129
Sq Ft
2007
Built
Garage
No
Pool

About this home

Riverwood

Discover the lifestyle you've been waiting for in Del Webb Ponte Vedra, Nocatee's premier 55+ active adult community! This beautifully maintained home offers the perfect blend of modern comfort, thoughtful design, and low-maintenance living. An inviting open-concept layout creates an easy flow for everyday living and entertaining, with flexible spaces for relaxing, working from home, or hosting guests. Enjoy the exceptional amenities Del Webb is known for, including resort-style pools, fitness and wellness facilities, clubhouse activities, social clubs, pickleball, tennis, walking trails, and more. Beyond the community, enjoy all that Nocatee has to offer with shopping, dining, medical facilities, beaches, and entertainment just minutes away. Whether you're looking to stay active, connect with friends, or simply enjoy a carefree Florida lifestyle, this home offers an exceptional opportunity in one of Northeast Florida's most sought-after 55+ communities.

Cost to own

Mortgage calculator

$434,000
$86,800
Loan Term
Monthly Payment
$2,254
Principal & Interest: $2,254
Property taxes (est.): $578
Insurance (est.): $289
Estimated Total Monthly
$3,121
*30-year loan at 6.76% APR (avg 30-yr rate 2026-09-10, 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 · 6.76% · 30yr$2,254
Property taxesest. at asking price, St. Johns County$578
HOAbilled monthly$245
Estimated total, before insurance$3,077/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$6,472/yr · $539/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): $6,472/yr

Estimated taxes if purchased at asking price: ~$6,900/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.

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 2007)

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

Solar potential: ~1,804 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

Price & status history

  • Sep 15, 2026Listed$434,000

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

Features

Price$434,000
Price / Sq Ft$204
Bedrooms2
Bathrooms2.00
Full Baths2
Square Footage2,129
Year Built2007
TypeResidential
Sub-TypeCondominium
StyleTraditional
StatusActive
Has PoolNo
Is WaterfrontNo
Gated CommunityYes
55+ CommunityYes

Community Information

Address192 Orchard Pass Avenue 531, Ponte Vedra, FL 32081
Area272-Nocatee South
SubdivisionDel Webb Ponte Vedra
CityPonte Vedra
CountySt. Johns
StateFL
Zip Code32081
Parcel Number0702430531
ZoningCondominium

Amenities

AmenitiesPool, Clubhouse, Elevator(s), Fitness Center, Gated, Jogging Path, Pickleball, Sauna, Spa/Hot Tub, Tennis Court(s)
UtilitiesCable Available, Electricity Connected, Sewer Connected, Water Connected
SewerPublic Sewer
Water SourcePublic
ParkingCovered, Parking Lot, Unassigned

Interior

Interior FeaturesBreakfast Bar, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Walk-In Closet(s)
AppliancesDishwasher, Disposal, Dryer, Electric Range, ENERGY STAR Qualified Washer, Ice Maker, Microwave, Refrigerator
HeatingCentral
CoolingCentral Air
FlooringCarpet, Tile
# of Stories1
LevelsOne
LaundryIn Unit
SecurityFire Sprinkler System, Gated with Guard, Secured Lobby, Security Gate, Smoke Detector(s)

Exterior

Exterior FeaturesBalcony
Patio / PorchCovered, Porch, Screened
RoofShingle
ConstructionBlock
Road SurfaceAsphalt
Road FrontagePrivate Road

Additional Information

Date ListedSeptember 15, 2026
Days on Market7
HOA Fees$245 / Monthly
HOA FrequencyMonthly
HOA Fee IncludesInsurance, Maintenance Grounds, Maintenance Structure, Pest Control, Security, Sewer, Trash, Water
Tax Amount$6,471.71
Tax Year2025
Listing TermsCash, Conventional
55+ CommunityYes
New ConstructionNo

The neighborhood

About Riverwood

Riverwood is a neighborhood in Nocatee, FL (St. Johns County), ZIP 32081.

View all Riverwood homes for sale →

Listing Courtesy of: KELLER WILLIAMS ST JOHNS

Information deemed reliable but not guaranteed. Data provided by realMLS (Northeast Florida MLS).

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

Curious what nearby homes sold for?

MLS rules keep sold prices off public sites — ask Krista and she'll email you recent sales for this area.

Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

Northeast Florida living

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