233 days on market (MLS)Condominium▼ Price cut: $9,000 (10/2)
$189,000
1-Bedroom Condo in Grand Cay Villas Condo
170 Veracruz Drive #334, Ponte Vedra Beach, FL 32082
Condominium in Grand Cay Villas Condo, Ponte Vedra Beach · No CDD on record
Grand Cay Villas Condo · Ponte Vedra Beach, FL 32082 · St. Johns County
Listing data updated October 10, 2026 at 3:08 AM ET · checked against the MLS hourly
1Bedrooms
1Bathrooms
924Sq Ft
1996Year Built
$205Per Sq Ft
No CDD on record
How to read this page: MLS listing facts carry their source; everything else is labelled as a public record, a calculation, an estimate, or something to verify. Where local data is too thin to support a number, the page says so instead of guessing.
6% below
$/sq ft vs community
$205 here vs $219 median sold (12 mo)
Buyer leverage
Strong buyer advantage
233 days on market
10.5 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
Zone AE
Flood risk
Confirm requirements with FEMA; ~6 ft elevation
$1k–$2k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
As of October 10, 2026, 170 VERACRUZ Drive #334 in Grand Cay Villas Condo, Ponte Vedra Beach is listed at $189,000 (924 sq ft, about $205 per sq ft). That is 25% below Grand Cay Villas Condo's median closed sale of $252,500 over the last 12 months (8 recorded sales). It has been 233 days on market, longer than the community's typical 48 days to contract. Listing facts: built in 1996, HOA dues of $571/mo. The parcel maps to FEMA flood zone AE, a special flood hazard area where lenders generally require flood insurance. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
No CDD assessment on record
Built 1996 · 30 yrs
924 sq ft of living area
Listed at $189,000 — recent neighborhood median sale price ~$252,500 (nearby sales; deemed reliable, not an appraisal)
233 days on market
HOA $571/mo (per listing)
School district: HOA Villa and condominium association County St. Johns County Florida Schools St. Johns County SchoolsCommunity built 1996–2007Instacart · 3 min driveMcFlamingo · 3 min driveTournament Plaza · 5 min drive
Listing description
About this home
Welcome to effortless coastal living in the heart of Ponte Vedra Beach. This beautifully refreshed 1 bed/1 bath + flex room residence is perched on the third floor, offering privacy, tranquility, and soaring ceilings in the living room that create an airy, open feel rarely found in this price point. Sunlight pours through expansive windows, framing a peaceful canopy of mature trees, a serene, almost tree-house-like setting you'll enjoy every day.
The condo updates include brand-new carpet throughout, fresh interior paint and new windows in the flex room, making it completely move-in ready. The versatile flex room is ideal for a home office, reading retreat, fitness space, or guest area, perfect for today's flexible lifestyle. Located inside a gated community just steps from TPC Sawgrass and only an 8-minute ride to the beach, you'll enjoy both convenience and exclusivity.
Whether you're looking for a full-time residence, vacation escape, or investment opportunity, this light-filled top-floor condo offers location, comfort, and the unmistakable rhythm of coastal living.
All 40 photos
Description provided by BERKSHIRE HATHAWAY HOMESERVICES FLORIDA NETWORK REALTY and reproduced from the MLS; not independently verified.
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
List price$189,000
Bed / bath1 / 1
Living area924 sq ft
Year built1996
Property typeCondominium
MLS #2130789
Listing status233 days on market (MLS)
Public records & third-party data
FEMA flood zoneZone AE
Ground elevation~6 ft
CountySt. Johns
Area listings7 active · 0 under contract
Estimated first-year tax~$1,625/yr
CDD assessmentNone on record
HOA$571/mo
Calculated estimates
Price per sq ft$205
Estimated monthly payment$1,843
Insurance (illustrative)$1k–$2k/yr
Comparable-sales median$252,500
Buyer should verify Buyer verify
Exact HOA dues, fees, and restrictionsRoof age and conditionHVAC age and conditionA property-specific insurance quoteSurvey and lot boundariesPermit historyFlood-insurance requirementsSchool zoning (confirm with the district)Property taxes after sale (homestead reset)CDD / community assessmentsSquare footage and room dimensions
Financing
Estimated monthly payment
$1,843/mo
Principal & interest $1,047/mo57%
Taxes $135/mo7%
Insurance $89/mo5%
HOA $571/mo31%
$1,843/mo at 20% down, 30-yr @ 7.4% · edit any field to update.
Estimated ownership costs for general information. Confirm each with the county, your lender, and an insurer. See data & estimate notes.
Property tax (first-year est.)
~$1,625/yr
Estimate: a typical St. Johns effective rate applied to the list price before any exemptions. Florida bills change with reassessment, homestead and other exemptions, and local taxing districts — this is not your expected bill. Confirm with the county property appraiser.
CDD assessment
None on record
No CDD assessment appears in our records for this community. CDD assessments show on the county tax bill — confirm with the tax collector.
Insurance (illustrative range)
$1k–$2k/yr
An illustrative modeled range, not based on carrier underwriting and not a quote. Florida premiums vary significantly by roof age, wind-mitigation features, claims history, and carrier — a real quote can land well outside this range. Flood zone AE — confirm flood coverage. Get a quote from a licensed insurer before relying on any figure.
HOA
$571/mo
Per the MLS listing. Confirm exact dues and what they include with the association.
Environmental data
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
FEMA flood zone
Zone AE
From the FEMA flood map. Lender-required flood insurance may apply; confirm for the parcel.
Ground elevation
~6 ft
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Windstorm / insurance
Obtain a quote
St. Johns County is on the Florida coast; wind coverage is a major part of the premium. Premiums and coverage vary by home (roof age, wind mitigation, claims history); obtain a quote from a licensed insurer.
Hazard risk
Natural hazard risk
FEMA National Risk Index for St. Johns County, FL: overall Relatively Moderate. Ratings compare this county with every county in the United States for expected annual loss from each hazard.
HurricaneRelatively High
Coastal floodingRelatively High
Inland floodingRelatively Moderate
Heat waveRelatively Moderate
WildfireRelatively Moderate
TornadoRelatively Moderate
LightningRelatively High
Strong windRelatively Low
DroughtRelatively Low
HailVery Low
Cold waveVery Low
Source: FEMA National Risk Index (county level, hazard risk ratings only). Ratings describe the county, not this parcel; the flood zone shown above is parcel-specific. Verify insurance requirements with your lender and agent.
Connectivity
Internet & broadband
Fiber
Check availability
Address-level fiber service is not confirmed for this home. Check the FCC National Broadband Map (broadbandmap.fcc.gov) or the provider for this address.
Cable
Check availability
Cable broadband is common in Florida and Georgia towns but not confirmed for this address; verify with the provider.
Fixed wireless / satellite
Check availability
5G home internet and satellite service depend on the exact location; check coverage for this address.
Momentum Research · Grand Cay Villas
Pricing & the Grand Cay Villas market
How this home is priced against recent nearby sales, and where Grand Cay Villas has been over 25 years. Momentum Research analysis of realMLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.
This home’s $/sq ft vs. nearby sales
List $/sq ft against recent nearby closed sales; the community median is marked.
Price vs. size in Grand Cay Villas
Each dot is a closed sale since 2001 (525 total). This home is the gold marker.
Sale price (y) by living area in sq ft (x). realMLS closed sales.
Median $/sq ft by year
Community sold $/sq ft, 2012–2026. This home lists at $205/sq ft.
Median sale price by year
12-month median closed price, 2012–2026.
Market Heat by year (0–100)
Momentum Market Heat, 2013–2026. Now 30 (cold).
Property timeline
This home’s history
1996BuiltPer public record
About Feb 2026Listed (per MLS)MLS reports 233 cumulative days on market as of October 10, 2026
Jul 2, 2026First seen on movewithmomentum.comObserved at $209,000
Aug 4, 2026Price cut$199,999 (-$9,001, -4.3%)
Aug 20, 2026Price cut$198,000 (-$1,999, -1.0%)
Oct 2, 2026Price cut$189,000 (-$9,000, -4.5%)
NowActiveCurrently for sale
Build year is from public record. The MLS list date is approximate (today minus the cumulative days on market the MLS reports, which can span relistings). Other milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Transparency
Price & listing history
Listed for $189,000Momentum Realty · on market 233 days
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
How it stacks up
Comparable recent sales
3 closed sales in Grand Cay Villas Condo in the last 18 months — same property type, living area within 30% of this home. Sold prices are MLS closed-sale records, deemed reliable but not guaranteed.
Sold Jul 2026
$270,000
160 VERACRUZ Drive #433, Ponte Vedra Beach
2 / 2 bd/ba · 1,065 sq ft · $254/sq ft
Courtesy of KELLER WILLIAMS REALTY ATLANTIC PARTNERS · View details →
Median of these 3 sales: $252,500 ($219/sq ft). Directional only — a small or wide-radius sample. Shown for general reference only — not an appraisal or a statement of this home’s value.
The Messtimate™
The Messtimate
This is a deliberately dumb estimate — living area times a range of recent neighborhood $/sq ft, and nothing else. It is not an appraisal, not market value, and not a valuation of this home. Even a tight range from comparable sales can’t price a specific home — here’s why.
$178,332the mess$226,380
Directional estimate — 3 comparable closed sales in Grand Cay Villas Condo, closed within the last 18 months, same property type, living area within 30% of this home.
Actual list price: $189,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 27% spread on the same house — and that gap is exactly what an automated guess can't see:
Condition & updates — a 1996 home may have had its roof, kitchen, or HVAC replaced since, or not; sq ft can't see either.
The lot & views — a premium golf, water, or preserve lot vs. a road-facing one: same sq ft, very different price.
Outliers skew it — one flip or distressed sale in the comps drags the whole $/sq ft up or down.
Carrying costs & concessions — this home carries HOA dues of $571/mo; with insurance and any seller-paid buydown, that changes what a buyer actually pays, and a sq ft estimate ignores all of it.
And here's what the live market is doing — which the number above ignores entirely:
This home: 233 days on market vs. a 48-day community median
7 active listings competing
≈10.5 months of supply
8 closed here in the last 12 months
For reference, this home is listed at $189,000 ($205/sq ft). The list price is the seller's asking price and is not derived from this range.
Want a property-specific review from a licensed agent? A Momentum Realty agent will do a real, free comparative market analysis — walking the home, the lot, the condition, and the live market. That's the difference between a Messtimate and a valuation.
Methodology: 924 sq ft × $193–$245/sq ft (±12% around the median of 3 comparable closed sales in Grand Cay Villas Condo, last 18 months; MLS closed-sale records). Estimate for general information only; not an appraisal, valuation, or offer. Updated October 10, 2026.
Momentum Scores
Momentum Property Score
60/100
Strongest on: Affordability (92), Pricing power (81)
0 limited50100 exceptional
60/100 is solid, mid-pack across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.
A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.
Price vs area66
This home $205/sq ft vs the community 12-month median $219/sq ft.
Affordability92
List price $189,000 vs the community median $252,500. Not a measure of personal affordability.
Flood safety45
FEMA Zone AE, ~6 ft elevation. Verify the parcel with FEMA.
Insurance cost31
From FEMA Zone AE and a 1996 build. Obtain a property-specific quote.
Market liquidity36
Community median 48 days on market, ~10.5 months of supply (12-month record).
Pricing power81
Recent sales closed at about 91.8% of original asking (~8.2% below). More room below asking generally favors buyers.
Market timing70
Momentum Market Heat is 30/100 (cold). Cooler readings generally favor buyers; hotter readings favor sellers.
Coverage: 7 of 8 indicators had valid data for this home; indicators without data are left out, not scored as zero. Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent comparable sales. They do not measure property condition, quality, or investment suitability, and they are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
Momentum Research
The Momentum read
🟢 Buyer-leaning conditions around this listing. 10.5 months of supply in the surrounding market and 233 days on market for this home, against a 48-day area median.Days on market:this home 233Area median: 48 daysWhy it matters: above-median time on market, together with the level of supply, is a clear sign of how much leverage sits with buyers.Momentum Research interpretation of the MLS facts in the snapshot above. Source: Data provided by realMLS. As of October 8, 2026.
🟡 Asking $205 per square foot, about 6% below the community’s $219 median. Grand Cay Villas’s 12-month median sold price per square foot is $219. Median sold price per square foot is down 1.0% year over year. Confidence: Medium · 8 closed sales in 12 monthsMLS facts: realMLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
Recent Grand Cay Villas sales closed near 91.8% of original asking.Why it matters: the community’s own record shows how far opening prices typically move, and how often buyers compete without financing.Momentum Research analysis of realMLS records, community-level, 12 months ending October 8, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 7 active listings in Grand Cay Villas, no CDD assessment.
Similar homes for sale near Grand Cay Villas Condo
Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Oct 2026 · Market
St. Johns County denies 4,462-acre Palm Valley farmland housing application under new state enclave law
Commissioners denied 3-2 on Sept. 15 the 4,462-acre Palm Valley application near Nocatee under the state agricultural enclave law, and the county plans to fight it in court. Another proposal of nearly 1,200 acres and about 15,000 homes south of St. Augustine was approved in August, then denied 3-2 on Sept. 28. St. Johns County has received 16 applications under the law.
Why it matters: The outcome of these applications will shape how much new housing supply can be added on rural land in the county. The site is about 2 miles southwest of Grand Cay Villas Ponte Vedra.
UF Health Durbin Park 99-bed hospital opens in northern St. Johns County; Baptist Silverleaf adds emergency department
UF Health Durbin Park, a 99-bed hospital with a 24-hour emergency department on 42.5 acres, held its ribbon-cutting and opens the following week. Baptist Health's Silverleaf campus, about 10 miles south, is adding an emergency department, and AdventHealth and Acadia Health have also opened facilities near I-95. The county's population has grown more than 25% since 2020.
Why it matters: New hospital and emergency capacity shortens drive times to emergency care and adds healthcare jobs in northern St. Johns County. The site is about 9 miles southwest of Grand Cay Villas Ponte Vedra.
CR 210 widening westbound lanes set to reopen in St. Johns County
News4Jax reported that all westbound lanes of the County Road 210 widening project in St. Johns County were expected to reopen by the end of Friday, July 31, 2026, ahead of the August 10 school year start. The county said it is managing 44 active road projects totaling $183.1 million this year.
Why it matters: Expands roadway capacity on a major county corridor, improving traffic flow and supporting continued growth along the CR 210 area. The project is about 8 miles southwest of Grand Cay Villas Ponte Vedra, elsewhere in St. Johns County.
Six agricultural enclave projects seek to develop 6,500-plus acres in St. Johns County
Jacksonville Today reported that St. Johns County received six proposals totaling more than 6,558 acres for development under a new Florida agricultural enclave law that took effect July 1, 2026. The largest proposal, about 4,462 acres north of Nocatee, comes from the Davis family and the PARC Group. The County Commission scheduled a public hearing on the proposals for August 19, 2026.
Why it matters: Signals a large potential expansion of developable land and future housing and commercial capacity, using a new state process that can convert farmland to residential and commercial use with reduced local review. The site is about 8 miles south of Grand Cay Villas Ponte Vedra.
See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.
Schools currently assigned to this address in St. Johns County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
Ponte Vedra RawlingsAssigned elementary school · St. Johns County School District
GRADEA
Alice B. LandrumAssigned middle school · St. Johns County School District · Grade A (Florida DOE 2025-26)
GRADEA
Ponte VedraAssigned high school · St. Johns County School District · Grade A (Florida DOE 2025-26)
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
What's nearby
Drive times to everyday places
Approximate driving times to verified nearby destinations. Estimates for general reference; actual times vary with traffic and route.
Groceries
Instacart 3 min
Dining
McFlamingo 3 min
Shopping
Tournament Plaza 5 min
Parks
Cornerstone Park 7 min
Nearby & guides
City, county & community guides
Where this home sits, with links to the matching guides. General reference only.
Items worth confirming for 170 VERACRUZ Drive #334, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 1996 (30 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
Condominium: request the association's budget, reserves, the most recent milestone or structural inspection report, and two years of meeting minutes before relying on the dues.
FEMA flood zone AE: lenders generally require flood insurance here — get an elevation certificate and a flood quote before the inspection period ends.
Get a homeowners insurance quote for this specific address in St. Johns County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
Listed living area is 924 sq ft: verify it against the property appraiser's record and measure before relying on it.
Order a survey to confirm lot boundaries and easements.
Review permit history with the county.
Property taxes: the estimate on this page (about $1,625/yr) assumes reassessment at the list price; the seller's current bill is not a guide Exemptions and portability change the actual bill — confirm with the county property appraiser.
School zoning shown here comes from district data and changes; confirm the assigned schools directly with the district before relying on them.
Provenance
Data sources & freshness
Listing record
realMLS, checked against the MLS hourly (last: October 10, 2026)
Comparable sales
realMLS closed sales in Grand Cay Villas Condo, last 18 months, as of October 8, 2026
Typical county effective rate applied to the list price; an estimate, not a bill
Insurance figure
Modeled estimate; obtain a real quote before offering
Schools
2025-26 district assignments; verify with the district
Momentum Research lines are our own analysis of realMLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Answered before you ask
Frequently asked questions
How big is 170 VERACRUZ Drive #334 and when was it built?
Per the listing record, 170 VERACRUZ Drive #334 was built in 1996 and has 924 sq ft of living area, 1 bedrooms and 1.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 170 VERACRUZ Drive #334 in?
170 VERACRUZ Drive #334 is in Grand Cay Villas Condo in Ponte Vedra Beach, St. Johns County. The comparable-sales section on this page shows recent closed sales nearby from the same MLS data.
Does 170 VERACRUZ Drive #334 have an HOA, and how much are the dues?
The listing reports HOA dues of $571 per month. Dues, what they cover, and the community's rules should be confirmed from the association's current documents before relying on them.
Why might property taxes on 170 VERACRUZ Drive #334 differ from the current owner's?
The estimate on this page (about $1,625 per year) assumes reassessment at the list price less the homestead exemption. Florida reassesses a home after it sells; for a homesteaded seller the Save Our Homes cap on their assessment does not transfer, and a buyer's own exemptions and portability are applied separately, so the two bills usually differ. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 170 VERACRUZ Drive #334 in a flood zone?
The FEMA flood map places this parcel in Zone AE, a special flood hazard area where lenders generally require flood insurance on a mortgaged purchase. Confirm the parcel's status with FEMA and your insurer, and ask for an elevation certificate.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
Ready when you are
See 170 VERACRUZ Drive #334 in person
Private tours available 7 days a week, in person or by live video walkthrough. Request a tour or send a question and a licensed Momentum Realty agent will follow up.
Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply county millage to the list price (less the homestead exemption where the parcel is matched to the certified roll) and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.
Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email and we will review and correct or remove it promptly.
Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.
No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.
Sold price and details are from public records and the MLS, deemed reliable but not guaranteed. Shown for comparison only — not an appraisal or a statement of this home's value.
