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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 Ocean Grande, Ponte Vedra Beach — a waterfront home in Ponte Vedra Beach.

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Active

$775,0003 bd · 3 ba · 2,239 sq ft

Active·21 days on market·Ocean Grande

220 S Ocean Grande Drive E 104

Ponte Vedra Beach, FL 32082

$775,000$346/sqftEst. $4,200/mo mortgageMLS# 2164966
↓ $14,000 below original listOpen house Fri, Nov 20 · 11:00 am–1:00 pm
3
Beds
3
Baths
2,239
Sq Ft
2003
Built
1
Garage
No
Pool

6 more homes for sale in Ocean Grande →Search Ocean Grande on the map

FEMA Zone XHOA $1026/moWaterfrontCondominium1 story

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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.

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

About this home

Ocean Grande

Experience refined coastal living in this beautifully remodeled, first-floor 3BR/3BA end-unit at Ocean Grande in South Ponte Vedra. Enjoy sweeping lake views and a wraparound screened patio with a brand-new built-in gas grill and automatic hurricane shutters. A private pedestrian tunnel provides easy beach access without crossing A1A. The seller is including transfer of the South Ponte Vedra Ocean Club membership initiation fee, offering access to exclusive club amenities. Enjoy on-site pickleball and tennis, plus low-maintenance living with association services covering exterior maintenance, building insurance, landscaping, pest control, trash, water, internet, cable, and select gas services. Impeccably maintained and move-in ready—coastal living made easy!

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Cost to own

True monthly cost

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

Principal & interest20% down · 7.18% · 30yr$4,200
Property taxesest. at asking price, St. Johns County$1,015
HOAbilled monthly$1,026
Estimated total, before insurance$6,241/mo
Seller’s 2025 tax billper the MLS — includes any CDD / assessments$7,924/yr · $660/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

$775,000
$155,000
Loan Term
Monthly Payment
$4,200
Principal & Interest: $4,200
Property taxes (est.): $1,015
Insurance (est.): $517
Estimated Total Monthly
$5,732
*30-year loan at 7.18% APR (avg 30-yr rate 2026-11-05, 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 A

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

Roof: Tile — year not disclosed (home built 2003)

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

Solar potential: ~1,830 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.

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, read at the listing’s map pin or, on lots of an acre or more, across the county parcel (state cadastral). A zone shown for part of a lot may not be where the home stands. 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

Last sold: $575,000 in April 2025(county public record, not MLS data)

YearMarket valueTaxable valueChange
2026$458,490$407,079—
2025$585,900$585,900—
2024$623,100$250,827—
2023$583,808$242,065—
2022$448,260$233,558—
2021$389,670$225,299—
2020$389,670$221,498—

2025 property taxes (current owner): $7,924/yr

Estimated taxes if purchased at asking price: ~$12,200/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 1,526 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 (2026), NEFMLS.

History

Price & status history

  • Oct 25, 2026Price change$775,000−$14,000
  • Oct 24, 2026Active$789,000
  • Oct 9, 2026Pending$789,000
  • Sep 28, 2026Active$789,000
  • Sep 15, 2026Listed$789,000

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 $330/sq ft; this home is listed at $346/sq ft.

AddressClosedPrice$/sq ftBd/BaSq ftDOMMiles
215 Ocean Grande Drive PH3, Ponte Vedra Beach, FL 32082Listed by RE/MAX UNLIMITEDJul 2026$457,650$2253/32,0362310
215 S Ocean Grande Drive 105, Ponte Vedra Beach, FL 32082Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINESep 2025$475,000$2333/32,035780
310 S Ocean Grande Drive 304, Ponte Vedra Beach, FL 32082Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS ST. AUGUSTINEAug 2026$671,500$3303/32,036100.1
310 Ocean Grande Drive 206, Ponte Vedra Beach, FL 32082Listed by RE/MAX UNLIMITEDJul 2026$634,000$2843/32,236290.1
415 N Ocean Grande Drive 101, Ponte Vedra Beach, FL 32082Listed by FLORIDA HOMES REALTY & MTG LLCMay 2026$740,000$3323/32,2323490.1
205 Ocean Grande Drive 104, St. Augustine, FL 32082Listed by COLDWELL BANKER VANGUARD REALTYMay 2026$800,000$3573/32,239470.1

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.

Is this home priced right?

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

Features

Price$775,000
Price / Sq Ft$346
Bedrooms3
Bathrooms3.00
Full Baths3
Square Footage2,239
Year Built2003
TypeResidential
Sub-TypeCondominium
StyleTraditional
Property ConditionUpdated/Remodeled
StatusActive
# of Garages1
Has PoolNo
Is WaterfrontYes
Direction FacesEast

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

Address220 S Ocean Grande Drive E 104, Ponte Vedra Beach, FL 32082
Area264-South Ponte Vedra Beach
SubdivisionOcean Grande
CityPonte Vedra Beach
CountySt. Johns
StateFL
Zip Code32082
Parcel Number1422290814
ZoningCondominium

Amenities

AmenitiesClubhouse, Pickleball, Tennis Court(s)
UtilitiesCable Available, Electricity Available, Sewer Connected, Water Available, Propane
SewerPublic Sewer
Water SourcePublic
ParkingGarage, Garage Door Opener
ViewPond
Waterfront TypeLake Front, Pond

Interior

Interior FeaturesBreakfast Nook, Ceiling Fan(s), Eat-in Kitchen, Entrance Foyer, His and Hers Closets, Kitchen Island, Open Floorplan, Primary Bathroom -Tub with Separate Shower, Split Bedrooms, Vaulted Ceiling(s), Walk-In Closet(s)
AppliancesConvection Oven, Dishwasher, Disposal, Dryer, Electric Oven, Electric Range, Electric Water Heater, Gas Cooktop, Microwave, Refrigerator, Tankless Water Heater
HeatingElectric, Heat Pump
CoolingCentral Air
FireplaceYes
# of Fireplaces1
Fireplace FeaturesGas
# of Stories1
LevelsOne
LaundryElectric Dryer Hookup, In Unit
SecuritySecurity Gate

Exterior

Exterior FeaturesStorm Shutters
Patio / PorchPorch, Side Porch
RoofTile
ConstructionConcrete, Stucco
Other StructuresTennis Court(s)

Additional Information

Date ListedOctober 24, 2026
Days on Market21
HOA Fees$1,026 / Monthly
HOA FrequencyMonthly
HOA Fee IncludesCable TV, Insurance, Internet, Maintenance Grounds, Maintenance Structure, Pest Control, Security, Sewer, Trash, Water
Tax Amount$7,924.39
Tax Year2025
Listing TermsCash, Conventional, FHA
55+ CommunityNo
New ConstructionNo

Listing Courtesy of: FERNANDINA BEACH 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 Ocean Grande

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

View all Ocean Grande homes for sale →
Marsh boardwalk at golden hour in Ponte Vedra Beach, Florida

Northeast Florida living

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

Open Houses

11/20/2026

11:00 am - 1:00 pm