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This home is in Spinnakers Reach, Ponte Vedra Beach — a waterfront home in Ponte Vedra Beach.

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Active·3 days on market·Spinnakers Reach

707 Spinnakers Reach Drive

Ponte Vedra Beach, FL 32082

$1,498,000$840/sqftEst. $8,297/moMLS# 2169060

Beds

Baths

1,784

Sq Ft

1980

Built

Garage

Pool

4 more homes for sale in Spinnakers Reach →Search Spinnakers Reach on the map

FEMA Zone VEHOA $190/moWaterfrontCondominium1 story

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About this home

Spinnakers Reach

Ocean views, coastal breezes, and direct beach access in sought-after Spinnakers Reach at Sawgrass Beach Club! This turnkey 3-bedroom, 3-bath condo offers an ideal coastal retreat with updated finishes throughout. Recent improvements include coastal-inspired luxury vinyl plank flooring and beautifully renovated bathrooms featuring floor-to-ceiling tile. The desirable split floor plan includes two bedrooms with en-suite baths, providing privacy for family and guests. The open kitchen flows seamlessly into the dining and living areas, while a charming bay window nook adds natural light. The spacious balcony, accessible from both the living area and primary bedroom, offers stunning ocean views and refreshing sea breezes. Abundant storage and secure under-building parking add to the convenience of this well-designed condo. Perfect for full-time residence, a beach getaway, or a desirable investment property, Spinnakers Reach offers the flexibility of rentals with a 1 month minimum term.

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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 · 7.4% · 30yr$8,297

Property taxesest. at asking price, St. Johns County$1,993

HOAbilled semi-annually$190

Estimated total, before insurance$10,480/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.

Mortgage calculator — adjust rate & down payment

Cost to own

Mortgage calculator

Home Price

$1,498,000

Down Payment: 20%

$299,600

Interest Rate: 7.40%

Loan Term

Monthly Payment

$8,297

Principal & Interest: $8,297

Property taxes (est.): $1,993

Insurance (est.): $999

Estimated Total Monthly

$11,289

*30-year loan at 7.4% APR (avg 30-yr rate 2026-10-15, 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 VE — coastal high-hazard area

Flood insurance is required by lenders, at coastal (wave-action) rates.

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 — year not disclosed (home built 1980)

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: ~1,770 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 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.

Around this address

Nearby, from public data

The closest public beach, park, water access and league fields from this home's location.

Closest beach parking
Mickler's Landing Beachfront Park
7 min drive · 202 parking spaces
Closest park or preserve
Nocatee Preserve
18 min drive · 2,378 acres
Closest public boat ramp
Palm Valley Public Landing
about 4 mi · Tolomato River
Closest kayak & paddleboard launch
Nocatee Trail Paddlecraft Launch at Palm Valley Bridge
about 4 mi · Intracoastal Waterway
Closest youth league fields
Cornerstone Park
10 min drive · Baseball

Not from the MLS. Places from FWC, FDEP, the water districts, the counties and the cities; 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.

History

Price & status history

Oct 13, 2026Listed$1,498,000

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 $686/sq ft; this home is listed at $840/sq ft.

Address	Closed	Price	$/sq ft	Bd/Ba	Sq ft	DOM	Miles
822 Spinnakers Reach Drive, Ponte Vedra Beach, FL 32082Listed by COMPASS FLORIDA LLC	Jun 2026	$1,550,000	$816	3/3	1,900	77	0.1
507 Quail Pointe Lane, Ponte Vedra Beach, FL 32082Listed by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY	Jul 2026	$640,000	$397	2/2	1,614	1	0.2
9777 Sawgrass Drive E, Ponte Vedra Beach, FL 32082Listed by WATSON REALTY CORP	Jul 2026	$590,000	$414	2/2	1,424	19	0.2
948 Spinnakers Reach Drive, Ponte Vedra Beach, FL 32082Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS	Jul 2026	$1,375,000	$686	2/2.5	2,003	18	0.2
930 Spinnakers Reach Drive, Ponte Vedra Beach, FL 32082Listed by PONTE VEDRA CLUB REALTY, INC.	Jul 2026	$2,100,000	$1,071	2/2.5	1,960	120	0.2
311 Quail Pointe Drive, Ponte Vedra Beach, FL 32082Listed by KELLER WILLIAMS REALTY ATLANTIC PARTNERS	Jun 2026	$508,000	$354	2/2	1,434	35	0.3

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$1,498,000

Price / Sq Ft$840

Bedrooms3

Bathrooms3.00

Full Baths3

Square Footage1,784

Year Built1980

TypeResidential

Sub-TypeCondominium

StyleContemporary

Property ConditionUpdated/Remodeled

StatusActive

# of Garages2

Has PoolNo

Is WaterfrontYes

Gated CommunityYes

School Information

Zoned elementaryPonte Vedra–Palm Valley/Rawlings Elementary

Zoned middleAlice B. Landrum Middle School

Zoned highPonte Vedra High School

Zone sourceSt. Johns County School District attendance zones, current school year. Zones change; confirm with the district before you rely on one.

Reported elementaryPonte Vedra Rawlings

Reported middleAlice B. Landrum

Reported highPonte Vedra

Reported byThe listing agent, in the MLS. Where it differs from the zone, the zone wins.

Community Information

Address707 Spinnakers Reach Drive, Ponte Vedra Beach, FL 32082

Area261-Ponte Vedra Bch-S Of Corona-E Of A1E/Lake Pv

SubdivisionSpinnakers Reach I Condo

CityPonte Vedra Beach

CountySt. Johns

StateFL

Zip Code32082

Parcel Number0663010707

Amenities

AmenitiesPool, Gated, Maintenance Grounds

Community FeaturesGated

UtilitiesSewer Connected, Water Connected

SewerPublic Sewer

Water SourcePublic

ParkingAdditional Parking, Assigned, Underground

ViewBeach, Ocean, Pool

Waterfront TypeOcean Access

Interior

Interior FeaturesGuest Suite, Open Floorplan

AppliancesDryer, Electric Oven, Refrigerator, Washer

HeatingCentral

CoolingCentral Air

# of Stories1

LevelsOne

Security24 Hour Security, Gated with Guard

Exterior

Exterior FeaturesBalcony

Patio / PorchCovered, Porch

ConstructionConcrete, Stucco

Additional Information

Date ListedOctober 13, 2026

Days on Market0

HOA Fees$1,137.97 / Semi-Annually

HOA FrequencySemi-Annually

HOA NameSawgrass

HOA Fee IncludesMaintenance Grounds, Maintenance Structure

Listing TermsCash, Conventional

55+ CommunityNo

New ConstructionNo

Listing Courtesy of: RE/MAX SPECIALISTS PV

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 Spinnakers Reach

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

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