This home is in Fairfield, Ponte Vedra Beach — a gated community home in Ponte Vedra Beach.
Active·3 days on market·Fairfield
104 Bay Hill Court
Ponte Vedra Beach, FL 32082
11 more homes for sale in Fairfield →Search Fairfield on the map
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About this home
Fairfield
Welcome to this charming 3 bedroom, 2 bath home located in the desirable Fairfield neighborhood of Ponte Vedra Beach, situated less than 3 miles from the nearest beach access and right near the world-famous TPC Sawgrass. Featuring a bright interior, open floor plan, a relaxing Florida room, and a serene backyard with a picturesque pond view, this property is designed for effortless coastal living. Residents also enjoy fantastic community amenities, including playground, community pool, and a sports complex. Plus, you'll have ultimate peace of mind with major updates already handled, including a brand-new HVAC system (2025), a water heater (2022), and a roof (2012). Perfectly positioned close to top-rated St. Johns County schools, shopping, and dining, this move-in-ready gem is an opportunity you don't want to miss. Take a look today.
Next steps in Fairfield
Cost to own
True monthly cost
What this home actually costs per month at the asking price — not just the mortgage.
- • 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
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: Shingle — 2012 per the listing
A recent roof is the single biggest lever on Florida homeowners-insurance pricing.
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: ~1,668 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 homeAs of October 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.
Sun & Light
East-facing backyard — the morning-light lot
The listing reports the home facing west, which puts the backyard on the east side. Today at this address: sunrise 7:21 AM, sunset 7:06 PM.
- The rear takes the sunrise and the gentle morning sun, then goes shaded through the afternoon — the classic comfortable-summer-evening lanai in Florida.
- A pool back here warms with the morning and sits in shade by late afternoon: cooler water than a west lot, and evening swims without the glare.
- The front of the home carries the hot western afternoon instead of your living space.
Orientation per the MLS listing; sun paths are seasonal geometry for Northeast Florida, not a shade study — trees, screening, and neighboring structures change the picture on any specific lot.
Cost to own
Taxes & assessment
| Year | Market value | Taxable value | Change |
|---|---|---|---|
| 2025 | $538,631 | $503,154 | — |
| 2024 | $511,001 | $457,413 | — |
| 2023 | $486,304 | $415,830 | — |
| 2022 | $455,847 | $378,027 | ▼ $20,540 |
| 2021 | $343,661 | $343,661 | — |
| 2020 | $349,661 | $349,661 | ▼ $12,472 |
2025 property taxes (current owner): $7,333/yr
Estimated taxes if purchased at asking price: ~$9,600/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 (2025), NEFMLS.
History
Price & status history
- Oct 1, 2026Listed$599,900
History tracked by kristafracke.com from the live MLS feed. Earlier changes may predate tracking.
Features
Community Information
Amenities
Interior
Exterior
Additional Information
Listing Courtesy of: ALLISON JAMES ESTATES AND HOMES FLORIDA
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 →Keep looking
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Your Local Realtor
Krista Fracke
Broker Associate
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Northeast Florida living
Ponte Vedra Beach · St. Johns County · Nocatee · eTown & Seven Pines